Sample records for charge banking model

  1. Extended charge banking model of dual path shocks for implantable cardioverter defibrillators

    PubMed Central

    Dosdall, Derek J; Sweeney, James D

    2008-01-01

    Background Single path defibrillation shock methods have been improved through the use of the Charge Banking Model of defibrillation, which predicts the response of the heart to shocks as a simple resistor-capacitor (RC) circuit. While dual path defibrillation configurations have significantly reduced defibrillation thresholds, improvements to dual path defibrillation techniques have been limited to experimental observations without a practical model to aid in improving dual path defibrillation techniques. Methods The Charge Banking Model has been extended into a new Extended Charge Banking Model of defibrillation that represents small sections of the heart as separate RC circuits, uses a weighting factor based on published defibrillation shock field gradient measures, and implements a critical mass criteria to predict the relative efficacy of single and dual path defibrillation shocks. Results The new model reproduced the results from several published experimental protocols that demonstrated the relative efficacy of dual path defibrillation shocks. The model predicts that time between phases or pulses of dual path defibrillation shock configurations should be minimized to maximize shock efficacy. Discussion Through this approach the Extended Charge Banking Model predictions may be used to improve dual path and multi-pulse defibrillation techniques, which have been shown experimentally to lower defibrillation thresholds substantially. The new model may be a useful tool to help in further improving dual path and multiple pulse defibrillation techniques by predicting optimal pulse durations and shock timing parameters. PMID:18673561

  2. 12 CFR 226.4 - Finance charge.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... 12 Banks and Banking 3 2012-01-01 2012-01-01 false Finance charge. 226.4 Section 226.4 Banks and... LENDING (REGULATION Z) General § 226.4 Finance charge. (a) Definition. The finance charge is the cost of...) Charges by third parties. The finance charge includes fees and amounts charged by someone other than the...

  3. 12 CFR 226.4 - Finance charge.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... 12 Banks and Banking 3 2013-01-01 2013-01-01 false Finance charge. 226.4 Section 226.4 Banks and...) TRUTH IN LENDING (REGULATION Z) General § 226.4 Finance charge. (a) Definition. The finance charge is... transaction. (1) Charges by third parties. The finance charge includes fees and amounts charged by someone...

  4. 12 CFR 226.4 - Finance charge.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... 12 Banks and Banking 3 2014-01-01 2014-01-01 false Finance charge. 226.4 Section 226.4 Banks and...) TRUTH IN LENDING (REGULATION Z) General § 226.4 Finance charge. (a) Definition. The finance charge is... transaction. (1) Charges by third parties. The finance charge includes fees and amounts charged by someone...

  5. 12 CFR 1026.4 - Finance charge.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... 12 Banks and Banking 8 2013-01-01 2013-01-01 false Finance charge. 1026.4 Section 1026.4 Banks and Banking BUREAU OF CONSUMER FINANCIAL PROTECTION TRUTH IN LENDING (REGULATION Z) General § 1026.4 Finance charge. (a) Definition. The finance charge is the cost of consumer credit as a dollar amount. It includes...

  6. 12 CFR 1026.4 - Finance charge.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... 12 Banks and Banking 8 2012-01-01 2012-01-01 false Finance charge. 1026.4 Section 1026.4 Banks and Banking BUREAU OF CONSUMER FINANCIAL PROTECTION TRUTH IN LENDING (REGULATION Z) General § 1026.4 Finance charge. (a) Definition. The finance charge is the cost of consumer credit as a dollar amount. It includes...

  7. 12 CFR 1026.4 - Finance charge.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... 12 Banks and Banking 9 2014-01-01 2014-01-01 false Finance charge. 1026.4 Section 1026.4 Banks and Banking BUREAU OF CONSUMER FINANCIAL PROTECTION TRUTH IN LENDING (REGULATION Z) § 1026.4 Finance charge. (a) Definition. The finance charge is the cost of consumer credit as a dollar amount. It includes any...

  8. 12 CFR 226.4 - Finance charge.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 12 Banks and Banking 3 2010-01-01 2010-01-01 false Finance charge. 226.4 Section 226.4 Banks and Banking FEDERAL RESERVE SYSTEM (CONTINUED) BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM TRUTH IN LENDING (REGULATION Z) General § 226.4 Finance charge. (a) Definition. The finance charge is the cost of consumer credit as a dollar amount. It...

  9. Maximum Power Point tracking charge controllers for telecom applications -- Analysis and economics

    DOE Office of Scientific and Technical Information (OSTI.GOV)

    Wills, R.H.

    Simple charge controllers connect photovoltaic modules directly to the battery bank resulting in a significant power loss if the battery bank voltage differs greatly from the PV Maximum Power Point (MPP) voltage. Recent modeling work at AES has shown that dc-dc converter type MPP tracking charge controllers can deliver more than 30% more energy from PV modules to the battery when the PV modules are cool and the battery state of charge is low--this is typically both the worst case condition (i.e., winter) and also the design condition that determines the PV array size. Economic modeling, based on typical telecommore » system installed costs shows benefits of more than $3/Wp for MPPT over conventional charge controllers in this application--a value that greatly exceeds the additional cost of the dc-dc converter.« less

  10. 12 CFR 7.4002 - National bank charges.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... judgment and safe and sound banking principles. A national bank establishes non-interest charges and fees in accordance with safe and sound banking principles if the bank employs a decision-making process... of the competitive position of the bank in accordance with the bank's business plan and marketing...

  11. 12 CFR 227.15 - Unfair late charges.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... 12 Banks and Banking 3 2012-01-01 2012-01-01 false Unfair late charges. 227.15 Section 227.15 Banks and Banking FEDERAL RESERVE SYSTEM (CONTINUED) BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM UNFAIR OR DECEPTIVE ACTS OR PRACTICES (REGULATION AA) Credit Practices Rule § 227.15 Unfair late charges...

  12. 12 CFR 227.15 - Unfair late charges.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 12 Banks and Banking 3 2011-01-01 2011-01-01 false Unfair late charges. 227.15 Section 227.15 Banks and Banking FEDERAL RESERVE SYSTEM (CONTINUED) BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM UNFAIR OR DECEPTIVE ACTS OR PRACTICES (REGULATION AA) Credit Practices Rule § 227.15 Unfair late charges...

  13. 12 CFR 560.33 - Late charges.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Late charges. 560.33 Section 560.33 Banks and Banking OFFICE OF THRIFT SUPERVISION, DEPARTMENT OF THE TREASURY LENDING AND INVESTMENT Lending and Investment Powers for Federal Savings Associations § 560.33 Late charges. A Federal savings association may...

  14. Measurement and Internalization of Systemic Risk in a Global Banking Network

    NASA Astrophysics Data System (ADS)

    Feng, Xiaobing; Hu, Haibo

    2013-12-01

    The negative externalities from an individual bank failure to the whole system can be huge. One of the key purposes of bank regulation is to internalize the social costs of potential bank failures via capital charges. This study proposes a method to evaluate and allocate the systemic risk to different countries/regions using a Susceptible-Infected-Removable (SIR) type of epidemic spreading model and the Shapley value (SV) in game theory. The paper also explores features of a constructed bank network using real globe-wide banking data.

  15. Battery Charge Equalizer with Transformer Array

    NASA Technical Reports Server (NTRS)

    Davies, Francis

    2013-01-01

    High-power batteries generally consist of a series connection of many cells or cell banks. In order to maintain high performance over battery life, it is desirable to keep the state of charge of all the cell banks equal. A method provides individual charging for battery cells in a large, high-voltage battery array with a minimum number of transformers while maintaining reasonable efficiency. This is designed to augment a simple highcurrent charger that supplies the main charge energy. The innovation will form part of a larger battery charge system. It consists of a transformer array connected to the battery array through rectification and filtering circuits. The transformer array is connected to a drive circuit and a timing and control circuit that allow individual battery cells or cell banks to be charged. The timing circuit and control circuit connect to a charge controller that uses battery instrumentation to determine which battery bank to charge. It is important to note that the innovation can charge an individual cell bank at the same time that the main battery charger is charging the high-voltage battery. The fact that the battery cell banks are at a non-zero voltage, and that they are all at similar voltages, can be used to allow charging of individual cell banks. A set of transformers can be connected with secondary windings in series to make weighted sums of the voltages on the primaries.

  16. 12 CFR 1408.12 - Charges for interest, administrative costs, and penalties.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 12 Banks and Banking 7 2010-01-01 2010-01-01 false Charges for interest, administrative costs, and penalties. 1408.12 Section 1408.12 Banks and Banking FARM CREDIT SYSTEM INSURANCE CORPORATION COLLECTION OF CLAIMS OWED THE UNITED STATES Administrative Collection of Claims § 1408.12 Charges for interest...

  17. 12 CFR 12.6 - Fees.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 12 Banks and Banking 1 2010-01-01 2010-01-01 false Fees. 12.6 Section 12.6 Banks and Banking... SECURITIES TRANSACTIONS § 12.6 Fees. A national bank may charge a reasonable fee for providing notification pursuant to § 12.5(b), (c), and (e). A national bank may not charge a fee for providing notification...

  18. 12 CFR Appendix G to Part 226 - Open-End Model Forms and Clauses

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... 12 Banks and Banking 3 2014-01-01 2014-01-01 false Open-End Model Forms and Clauses G Appendix G... RESERVE SYSTEM (CONTINUED) TRUTH IN LENDING (REGULATION Z) Pt. 226, App. G Appendix G to Part 226—Open-End... Card Accounts Under an Open-End (Not Home-Secured) Consumer Credit Plan [Interest will be charged to...

  19. 12 CFR 7.4002 - National bank charges.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ...) Considerations. (1) All charges and fees should be arrived at by each bank on a competitive basis and not on the... of the competitive position of the bank in accordance with the bank's business plan and marketing... this section. (d) State law. The OCC applies preemption principles derived from the United States...

  20. 12 CFR 227.15 - Unfair late charges.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... 12 Banks and Banking 3 2014-01-01 2014-01-01 false Unfair late charges. 227.15 Section 227.15 Banks and Banking FEDERAL RESERVE SYSTEM (CONTINUED) BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED) UNFAIR OR DECEPTIVE ACTS OR PRACTICES (REGULATION AA) Credit Practices Rule § 227.15 Unfair late...

  1. 12 CFR 227.15 - Unfair late charges.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... 12 Banks and Banking 3 2013-01-01 2013-01-01 false Unfair late charges. 227.15 Section 227.15 Banks and Banking FEDERAL RESERVE SYSTEM (CONTINUED) BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED) UNFAIR OR DECEPTIVE ACTS OR PRACTICES (REGULATION AA) Credit Practices Rule § 227.15 Unfair late...

  2. 12 CFR 269b.111 - Filing of charges.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... to the Secretary of the Federal Reserve System Labor Relations Panel, 20th Street and Constitution... 12 Banks and Banking 4 2014-01-01 2014-01-01 false Filing of charges. 269b.111 Section 269b.111 Banks and Banking FEDERAL RESERVE SYSTEM (CONTINUED) BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM...

  3. 12 CFR 269b.111 - Filing of charges.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... to the Secretary of the Federal Reserve System Labor Relations Panel, 20th Street and Constitution... 12 Banks and Banking 4 2012-01-01 2012-01-01 false Filing of charges. 269b.111 Section 269b.111 Banks and Banking FEDERAL RESERVE SYSTEM (CONTINUED) BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM...

  4. 12 CFR 269b.111 - Filing of charges.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... of the Federal Reserve System Labor Relations Panel, 20th Street and Constitution Avenue NW... 12 Banks and Banking 3 2010-01-01 2010-01-01 false Filing of charges. 269b.111 Section 269b.111 Banks and Banking FEDERAL RESERVE SYSTEM (CONTINUED) BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM...

  5. 12 CFR 502.50 - What fees does OTS charge?

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 12 Banks and Banking 5 2010-01-01 2010-01-01 false What fees does OTS charge? 502.50 Section 502.50 Banks and Banking OFFICE OF THRIFT SUPERVISION, DEPARTMENT OF THE TREASURY ASSESSMENTS AND FEES... consolidated with a savings association on the Consolidated Statement of Condition of the Thrift Financial...

  6. 12 CFR 7.4001 - Charging interest at rates permitted competing institutions; charging interest to corporate...

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 12 Banks and Banking 1 2010-01-01 2010-01-01 false Charging interest at rates permitted competing... interest at rates permitted competing institutions; charging interest to corporate borrowers. (a... charge interest at the maximum rate permitted to any state-chartered or licensed lending institution by...

  7. 7 CFR 1488.14 - Interest charges.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... Agricultural Commodities From Private Stocks Under CCC Export Credit Sales Program (GSM-5) Bank Obligations and Repayment § 1488.14 Interest charges. The account receivable assigned to CCC and the related bank obligation... branch bank shall, when determined by the President or Vice President, CCC after consultation with the...

  8. 7 CFR 1488.14 - Interest charges.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... Agricultural Commodities From Private Stocks Under CCC Export Credit Sales Program (GSM-5) Bank Obligations and Repayment § 1488.14 Interest charges. The account receivable assigned to CCC and the related bank obligation... branch bank shall, when determined by the President or Vice President, CCC after consultation with the...

  9. 7 CFR 1488.14 - Interest charges.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... Agricultural Commodities From Private Stocks Under CCC Export Credit Sales Program (GSM-5) Bank Obligations and Repayment § 1488.14 Interest charges. The account receivable assigned to CCC and the related bank obligation... branch bank shall, when determined by the President or Vice President, CCC after consultation with the...

  10. 12 CFR 226.54 - Limitations on the imposition of finance charges.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... 12 Banks and Banking 3 2013-01-01 2013-01-01 false Limitations on the imposition of finance... imposition of finance charges. (a) Limitations on imposing finance charges as a result of the loss of a grace... impose finance charges as a result of the loss of a grace period on a credit card account under an open...

  11. 12 CFR 226.54 - Limitations on the imposition of finance charges.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... 12 Banks and Banking 3 2014-01-01 2014-01-01 false Limitations on the imposition of finance... imposition of finance charges. (a) Limitations on imposing finance charges as a result of the loss of a grace... impose finance charges as a result of the loss of a grace period on a credit card account under an open...

  12. 12 CFR 404.9 - Schedule of fees.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... attempt to conduct searches in the most efficient manner to minimize costs for both Ex-Im Bank and the... as follows: (1) Commercial use requesters. Ex-Im Bank shall charge the full costs for search, review... shall charge only for the cost of duplication in excess of 100 pages. No fee will be charged for search...

  13. 12 CFR 404.9 - Schedule of fees.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... attempt to conduct searches in the most efficient manner to minimize costs for both Ex-Im Bank and the... as follows: (1) Commercial use requesters. Ex-Im Bank shall charge the full costs for search, review... shall charge only for the cost of duplication in excess of 100 pages. No fee will be charged for search...

  14. 12 CFR 404.9 - Schedule of fees.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... attempt to conduct searches in the most efficient manner to minimize costs for both Ex-Im Bank and the... as follows: (1) Commercial use requesters. Ex-Im Bank shall charge the full costs for search, review... shall charge only for the cost of duplication in excess of 100 pages. No fee will be charged for search...

  15. 12 CFR 404.9 - Schedule of fees.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... attempt to conduct searches in the most efficient manner to minimize costs for both Ex-Im Bank and the... as follows: (1) Commercial use requesters. Ex-Im Bank shall charge the full costs for search, review... shall charge only for the cost of duplication in excess of 100 pages. No fee will be charged for search...

  16. 12 CFR 1026.54 - Limitations on the imposition of finance charges.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... 12 Banks and Banking 9 2014-01-01 2014-01-01 false Limitations on the imposition of finance... College Students § 1026.54 Limitations on the imposition of finance charges. (a) Limitations on imposing finance charges as a result of the loss of a grace period—(1) General rule. Except as provided in...

  17. 12 CFR 226.54 - Limitations on the imposition of finance charges.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 12 Banks and Banking 3 2011-01-01 2011-01-01 false Limitations on the imposition of finance... Accounts and Open-End Credit Offered to College Students § 226.54 Limitations on the imposition of finance charges. (a) Limitations on imposing finance charges as a result of the loss of a grace period. (1...

  18. 12 CFR 1026.54 - Limitations on the imposition of finance charges.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... 12 Banks and Banking 8 2012-01-01 2012-01-01 false Limitations on the imposition of finance... College Students § 1026.54 Limitations on the imposition of finance charges. (a) Limitations on imposing finance charges as a result of the loss of a grace period—(1) General rule. Except as provided in...

  19. 12 CFR 226.54 - Limitations on the imposition of finance charges.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... 12 Banks and Banking 3 2012-01-01 2012-01-01 false Limitations on the imposition of finance... Accounts and Open-End Credit Offered to College Students § 226.54 Limitations on the imposition of finance charges. (a) Limitations on imposing finance charges as a result of the loss of a grace period. (1...

  20. 12 CFR 1026.54 - Limitations on the imposition of finance charges.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... 12 Banks and Banking 8 2013-01-01 2013-01-01 false Limitations on the imposition of finance... College Students § 1026.54 Limitations on the imposition of finance charges. (a) Limitations on imposing finance charges as a result of the loss of a grace period. (1) General rule. Except as provided in...

  1. 12 CFR 977.3 - Trustee powers.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 12 Banks and Banking 7 2011-01-01 2011-01-01 false Trustee powers. 977.3 Section 977.3 Banks and Banking FEDERAL HOUSING FINANCE BOARD MISCELLANEOUS FEDERAL HOME LOAN BANK OPERATIONS AND AUTHORITIES MISCELLANEOUS BANK AUTHORITIES § 977.3 Trustee powers. A Bank may act, and make reasonable charges for doing so...

  2. Development of compact rapid charging power supply for capacitive energy storage in pulsed power drivers.

    PubMed

    Sharma, Surender Kumar; Shyam, Anurag

    2015-02-01

    High energy capacitor bank is used for primary electrical energy storage in pulsed power drivers. The capacitors used in these pulsed power drivers have low inductance, low internal resistance, and less dc life, so it has to be charged rapidly and immediately discharged into the load. A series resonant converter based 45 kV compact power supply is designed and developed for rapid charging of the capacitor bank with constant charging current up to 150 mA. It is short circuit proof, and zero current switching technique is used to commute the semiconductor switch. A high frequency resonant inverter switching at 10 kHz makes the overall size small and reduces the switching losses. The output current of the power supply is limited by constant on-time and variable frequency switching control technique. The power supply is tested by charging the 45 kV/1.67 μF and 15 kV/356 μF capacitor banks. It has charged the capacitor bank up to rated voltage with maximum charging current of 150 mA and the average charging rate of 3.4 kJ/s. The output current of the power supply is limited by reducing the switching frequency at 5 kHz, 3.3 kHz, and 1.7 kHz and tested with 45 kV/1.67 μF capacitor bank. The protection circuit is included in the power supply for over current, under voltage, and over temperature. The design details and the experimental testing results of the power supply for resonant current, output current, and voltage traces of the power supply with capacitive, resistive, and short circuited load are presented and discussed.

  3. 12 CFR 811.7 - Servicing book-entry Federal Financing Bank securities; payment of interest; payment at maturity...

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... 12 Banks and Banking 7 2014-01-01 2014-01-01 false Servicing book-entry Federal Financing Bank... FEDERAL FINANCING BANK BOOK-ENTRY PROCEDURE FOR FEDERAL FINANCING BANK SECURITIES § 811.7 Servicing book... becoming due on book-entry Federal Financing Bank securities shall be charged against the special agent...

  4. 12 CFR 950.6 - Fees.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 12 Banks and Banking 7 2010-01-01 2010-01-01 false Fees. 950.6 Section 950.6 Banks and Banking FEDERAL HOUSING FINANCE BOARD FEDERAL HOME LOAN BANK ASSETS AND OFF-BALANCE SHEET ITEMS ADVANCES Advances to Members § 950.6 Fees. (a) Fees in member products policy. All fees charged by each Bank and any...

  5. 12 CFR 339.8 - Determination fees.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 12 Banks and Banking 4 2010-01-01 2010-01-01 false Determination fees. 339.8 Section 339.8 Banks... IN AREAS HAVING SPECIAL FLOOD HAZARDS § 339.8 Determination fees. (a) General. Notwithstanding any...), any bank, or a servicer acting on behalf of the bank, may charge a reasonable fee for determining...

  6. 12 CFR 404.16 - Schedule of fees.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 12 Banks and Banking 4 2010-01-01 2010-01-01 false Schedule of fees. 404.16 Section 404.16 Banks and Banking EXPORT-IMPORT BANK OF THE UNITED STATES INFORMATION DISCLOSURE Access to Records Under the Privacy Act of 1974 § 404.16 Schedule of fees. (a) Search and review. Ex-Im Bank shall not charge for...

  7. 12 CFR 702.402 - Full and fair disclosure of financial condition.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... disclosure demands that a credit union properly address charges for loan losses as follows: (1) Charges for.... 702.402 Section 702.402 Banks and Banking NATIONAL CREDIT UNION ADMINISTRATION REGULATIONS AFFECTING CREDIT UNIONS PROMPT CORRECTIVE ACTION Reserves § 702.402 Full and fair disclosure of financial condition...

  8. 12 CFR 269a.2 - Party in interest.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... employees, labor organization, or bank that will be or is directly affected by the resolution of any charge... 12 Banks and Banking 3 2010-01-01 2010-01-01 false Party in interest. 269a.2 Section 269a.2 Banks... employees of a bank or that is or was recently a party to a collective bargaining agreement with a bank...

  9. 12 CFR 930.1 - Definitions.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... Banking FEDERAL HOUSING FINANCE BOARD FEDERAL HOME LOAN BANK RISK MANAGEMENT AND CAPITAL STANDARDS DEFINITIONS APPLYING TO RISK MANAGEMENT AND CAPITAL REGULATIONS § 930.1 Definitions. As used in this.... Charges against the capital of the Bank means an other than temporary decline in the Bank's total equity...

  10. 12 CFR 1402.27 - Aggregating requests.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... 12 Banks and Banking 9 2012-01-01 2012-01-01 false Aggregating requests. 1402.27 Section 1402.27 Banks and Banking FARM CREDIT SYSTEM INSURANCE CORPORATION RELEASING INFORMATION Fees for Provision of... requests and charge accordingly. One element to be considered in determining whether a belief would be...

  11. 12 CFR 1402.27 - Aggregating requests.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... 12 Banks and Banking 9 2013-01-01 2013-01-01 false Aggregating requests. 1402.27 Section 1402.27 Banks and Banking FARM CREDIT SYSTEM INSURANCE CORPORATION RELEASING INFORMATION Fees for Provision of... requests and charge accordingly. One element to be considered in determining whether a belief would be...

  12. 12 CFR 602.12 - Fees.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Fees. 602.12 Section 602.12 Banks and Banking FARM CREDIT ADMINISTRATION ADMINISTRATIVE PROVISIONS RELEASING INFORMATION FOIA Fees § 602.12 Fees. (a) FCA may charge: (1) For manual searches for records and for review, the pro rated cost of the salary...

  13. 12 CFR 508.11 - Relevant considerations.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Relevant considerations. 508.11 Section 508.11 Banks and Banking OFFICE OF THRIFT SUPERVISION, DEPARTMENT OF THE TREASURY REMOVALS, SUSPENSIONS, AND PROHIBITIONS WHERE A CRIME IS CHARGED OR PROVEN § 508.11 Relevant considerations. (a) In determining whether...

  14. Development of a repetitive compact torus injector

    NASA Astrophysics Data System (ADS)

    Onchi, Takumi; McColl, David; Dreval, Mykola; Rohollahi, Akbar; Xiao, Chijin; Hirose, Akira; Zushi, Hideki

    2013-10-01

    A system for Repetitive Compact Torus Injection (RCTI) has been developed at the University of Saskatchewan. CTI is a promising fuelling technology to directly fuel the core region of tokamak reactors. In addition to fuelling, CTI has also the potential for (a) optimization of density profile and thus bootstrap current and (b) momentum injection. For steady-state reactor operation, RCTI is necessary. The approach to RCTI is to charge a storage capacitor bank with a large capacitance and quickly charge the CT capacitor bank through a stack of integrated-gate bipolar transistors (IGBTs). When the CT bank is fully charged, the IGBT stack will be turned off to isolate banks, and CT formation/acceleration sequence will start. After formation of each CT, the fast bank will be replenished and a new CT will be formed and accelerated. Circuits for the formation and the acceleration in University of Saskatchewan CT Injector (USCTI) have been modified. Three CT shots at 10 Hz or eight shots at 1.7 Hz have been achieved. This work has been sponsored by the CRC and NSERC, Canada.

  15. 21 CFR 1401.11 - Fees to be charged-miscellaneous provisions.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 21 Food and Drugs 9 2010-04-01 2010-04-01 false Fees to be charged-miscellaneous provisions. 1401.11 Section 1401.11 Food and Drugs OFFICE OF NATIONAL DRUG CONTROL POLICY PUBLIC AVAILABILITY OF... United States on a postal money order or personal check or bank draft drawn on a bank in the United...

  16. 12 CFR 390.19 - Burden of persuasion.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... 12 Banks and Banking 5 2012-01-01 2012-01-01 false Burden of persuasion. 390.19 Section 390.19 Banks and Banking FEDERAL DEPOSIT INSURANCE CORPORATION REGULATIONS AND STATEMENTS OF GENERAL POLICY... Crime Is Charged or Proven § 390.19 Burden of persuasion. The petitioner has the burden of showing, by a...

  17. 12 CFR 390.19 - Burden of persuasion.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... 12 Banks and Banking 5 2013-01-01 2013-01-01 false Burden of persuasion. 390.19 Section 390.19 Banks and Banking FEDERAL DEPOSIT INSURANCE CORPORATION REGULATIONS AND STATEMENTS OF GENERAL POLICY... Crime Is Charged or Proven § 390.19 Burden of persuasion. The petitioner has the burden of showing, by a...

  18. 12 CFR 508.10 - Burden of persuasion.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 12 Banks and Banking 5 2011-01-01 2011-01-01 false Burden of persuasion. 508.10 Section 508.10 Banks and Banking OFFICE OF THRIFT SUPERVISION, DEPARTMENT OF THE TREASURY REMOVALS, SUSPENSIONS, AND PROHIBITIONS WHERE A CRIME IS CHARGED OR PROVEN § 508.10 Burden of persuasion. The petitioner has the burden of...

  19. 12 CFR 508.10 - Burden of persuasion.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... 12 Banks and Banking 6 2014-01-01 2012-01-01 true Burden of persuasion. 508.10 Section 508.10 Banks and Banking OFFICE OF THRIFT SUPERVISION, DEPARTMENT OF THE TREASURY REMOVALS, SUSPENSIONS, AND PROHIBITIONS WHERE A CRIME IS CHARGED OR PROVEN § 508.10 Burden of persuasion. The petitioner has the burden of...

  20. 12 CFR 108.10 - Burden of persuasion.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... 12 Banks and Banking 1 2013-01-01 2013-01-01 false Burden of persuasion. 108.10 Section 108.10 Banks and Banking COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE TREASURY REMOVALS, SUSPENSIONS, AND PROHIBITIONS WHERE A CRIME IS CHARGED OR PROVEN § 108.10 Burden of persuasion. The petitioner has the burden of...

  1. 12 CFR 508.10 - Burden of persuasion.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... 12 Banks and Banking 6 2013-01-01 2012-01-01 true Burden of persuasion. 508.10 Section 508.10 Banks and Banking OFFICE OF THRIFT SUPERVISION, DEPARTMENT OF THE TREASURY REMOVALS, SUSPENSIONS, AND PROHIBITIONS WHERE A CRIME IS CHARGED OR PROVEN § 508.10 Burden of persuasion. The petitioner has the burden of...

  2. 12 CFR 390.19 - Burden of persuasion.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... 12 Banks and Banking 5 2014-01-01 2014-01-01 false Burden of persuasion. 390.19 Section 390.19 Banks and Banking FEDERAL DEPOSIT INSURANCE CORPORATION REGULATIONS AND STATEMENTS OF GENERAL POLICY... Crime Is Charged or Proven § 390.19 Burden of persuasion. The petitioner has the burden of showing, by a...

  3. 12 CFR 108.10 - Burden of persuasion.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... 12 Banks and Banking 1 2014-01-01 2014-01-01 false Burden of persuasion. 108.10 Section 108.10 Banks and Banking COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE TREASURY REMOVALS, SUSPENSIONS, AND PROHIBITIONS WHERE A CRIME IS CHARGED OR PROVEN § 108.10 Burden of persuasion. The petitioner has the burden of...

  4. 12 CFR 108.10 - Burden of persuasion.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... 12 Banks and Banking 1 2012-01-01 2012-01-01 false Burden of persuasion. 108.10 Section 108.10 Banks and Banking COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE TREASURY REMOVALS, SUSPENSIONS, AND PROHIBITIONS WHERE A CRIME IS CHARGED OR PROVEN § 108.10 Burden of persuasion. The petitioner has the burden of...

  5. 12 CFR 508.10 - Burden of persuasion.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... 12 Banks and Banking 6 2012-01-01 2012-01-01 false Burden of persuasion. 508.10 Section 508.10 Banks and Banking OFFICE OF THRIFT SUPERVISION, DEPARTMENT OF THE TREASURY REMOVALS, SUSPENSIONS, AND PROHIBITIONS WHERE A CRIME IS CHARGED OR PROVEN § 508.10 Burden of persuasion. The petitioner has the burden of...

  6. 12 CFR 269b.731 - Signature.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 12 Banks and Banking 3 2010-01-01 2010-01-01 false Signature. 269b.731 Section 269b.731 Banks and Banking FEDERAL RESERVE SYSTEM (CONTINUED) BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM CHARGES OF UNFAIR LABOR PRACTICES General Rules § 269b.731 Signature. The original of each document filed shall be...

  7. 12 CFR 508.12 - Proposed findings and conclusions and recommended decision.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Proposed findings and conclusions and recommended decision. 508.12 Section 508.12 Banks and Banking OFFICE OF THRIFT SUPERVISION, DEPARTMENT OF THE TREASURY REMOVALS, SUSPENSIONS, AND PROHIBITIONS WHERE A CRIME IS CHARGED OR PROVEN § 508.12 Proposed...

  8. 12 CFR 269b.310 - Appeal rights.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 12 Banks and Banking 3 2010-01-01 2010-01-01 false Appeal rights. 269b.310 Section 269b.310 Banks and Banking FEDERAL RESERVE SYSTEM (CONTINUED) BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM CHARGES OF UNFAIR LABOR PRACTICES Appeal from the Center's Determination § 269b.310 Appeal rights. Where...

  9. 12 CFR 269b.113 - Withdrawal or settlement.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 12 Banks and Banking 3 2010-01-01 2010-01-01 false Withdrawal or settlement. 269b.113 Section 269b.113 Banks and Banking FEDERAL RESERVE SYSTEM (CONTINUED) BOARD OF GOVERNORS OF THE FEDERAL RESERVE... Withdrawal or settlement. A charge may be withdrawn or settlement of the matter may be reached without...

  10. 12 CFR 508.5 - Petition for hearing.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Petition for hearing. 508.5 Section 508.5 Banks and Banking OFFICE OF THRIFT SUPERVISION, DEPARTMENT OF THE TREASURY REMOVALS, SUSPENSIONS, AND PROHIBITIONS WHERE A CRIME IS CHARGED OR PROVEN § 508.5 Petition for hearing. (a) To obtain a hearing, the...

  11. 12 CFR 508.6 - Initiation of hearing.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Initiation of hearing. 508.6 Section 508.6 Banks and Banking OFFICE OF THRIFT SUPERVISION, DEPARTMENT OF THE TREASURY REMOVALS, SUSPENSIONS, AND PROHIBITIONS WHERE A CRIME IS CHARGED OR PROVEN § 508.6 Initiation of hearing. (a) Within 10 days of the filing...

  12. 12 CFR 508.1 - Scope.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Scope. 508.1 Section 508.1 Banks and Banking OFFICE OF THRIFT SUPERVISION, DEPARTMENT OF THE TREASURY REMOVALS, SUSPENSIONS, AND PROHIBITIONS WHERE A CRIME IS CHARGED OR PROVEN § 508.1 Scope. The rules in this part apply to hearings, which are exempt...

  13. 12 CFR 508.7 - Conduct of hearings.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Conduct of hearings. 508.7 Section 508.7 Banks and Banking OFFICE OF THRIFT SUPERVISION, DEPARTMENT OF THE TREASURY REMOVALS, SUSPENSIONS, AND PROHIBITIONS WHERE A CRIME IS CHARGED OR PROVEN § 508.7 Conduct of hearings. (a) Hearings provided by this...

  14. 12 CFR 508.10 - Burden of persuasion.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Burden of persuasion. 508.10 Section 508.10 Banks and Banking OFFICE OF THRIFT SUPERVISION, DEPARTMENT OF THE TREASURY REMOVALS, SUSPENSIONS, AND PROHIBITIONS WHERE A CRIME IS CHARGED OR PROVEN § 508.10 Burden of persuasion. The petitioner has the burden of...

  15. 12 CFR 508.9 - Rules of evidence.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Rules of evidence. 508.9 Section 508.9 Banks and Banking OFFICE OF THRIFT SUPERVISION, DEPARTMENT OF THE TREASURY REMOVALS, SUSPENSIONS, AND PROHIBITIONS WHERE A CRIME IS CHARGED OR PROVEN § 508.9 Rules of evidence. (a) Formal rules of evidence shall...

  16. 12 CFR 508.8 - Default.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Default. 508.8 Section 508.8 Banks and Banking OFFICE OF THRIFT SUPERVISION, DEPARTMENT OF THE TREASURY REMOVALS, SUSPENSIONS, AND PROHIBITIONS WHERE A CRIME IS CHARGED OR PROVEN § 508.8 Default. If the subject individual fails to file a petition for a...

  17. 12 CFR 22.8 - Determination fees.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 12 Banks and Banking 1 2010-01-01 2010-01-01 false Determination fees. 22.8 Section 22.8 Banks and... HAZARDS § 22.8 Determination fees. (a) General. Notwithstanding any Federal or State law other than the... on behalf of the bank, may charge a reasonable fee for determining whether the building or mobile...

  18. Thermal Analysis of the Vulnerability of the Spacesuit Battery Design to Short-Circuit Conditions (Presentation)

    DOE Office of Scientific and Technical Information (OSTI.GOV)

    Kim, G. H.; Chaney, L.; Smith, K.

    2010-04-22

    NREL researchers created a mathematical model of a full 16p-5s spacesuit battery for NASA that captures electrical/thermal behavior during shorts to assess the vulnerability of the battery to pack-internal (cell-external) shorts. They found that relocating the short from battery pack-external (experimental validation) to pack-internal (modeling study) causes substantial additional heating of cells, which can lead to cell thermal runaway. All three layers of the bank-to-bank separator must fail for the pack-internal short scenario to occur. This finding emphasizes the imperative of battery pack assembly cleanliness. The design is tolerant to pack-internal shorts when stored at 0% state of charge.

  19. 12 CFR 508.4 - Contents and service of the Notice or Order.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Contents and service of the Notice or Order. 508.4 Section 508.4 Banks and Banking OFFICE OF THRIFT SUPERVISION, DEPARTMENT OF THE TREASURY REMOVALS, SUSPENSIONS, AND PROHIBITIONS WHERE A CRIME IS CHARGED OR PROVEN § 508.4 Contents and service of...

  20. 12 CFR 261a.4 - Fees.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 12 Banks and Banking 3 2010-01-01 2010-01-01 false Fees. 261a.4 Section 261a.4 Banks and Banking... TO PERSONAL INFORMATION UNDER THE PRIVACY ACT OF 1974 General Provisions § 261a.4 Fees. (a) Copies of... Availability of Information, § 261.10 of this part. (b) No fee. Documents may be furnished without charge where...

  1. Carbonate-periplatform sedimentation by density flows: A mechanism for rapid off-bank and vertical transport of shallow-water fines

    USGS Publications Warehouse

    Wilson, P.A.; Roberts, Harry H.

    1993-01-01

    Existing theories of off-bank sediment transport cannot account for rapid rates of sedimentation observed in Bahama bank and Florida shelf periplatform environments. Analysis of the physical processes operating during winter cold fronts suggests that accelerated off-bank transport of shallow-water mud may be achieved by sinking off-bank flows of sediment-charged hyperpycnal (super-dense) platform waters.

  2. 12 CFR 5.20 - Organizing a bank.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... the following three core banking functions: receiving deposits; paying checks; or lending money. The.... Organizers should not bill excessive charges to the bank for professional and consulting services or unduly..., nonprofit, and government sectors. The business plan or operating plan must demonstrate how the proposed...

  3. 12 CFR Appendix B to Part 3 - Risk-Based Capital Guidelines; Market Risk Adjustment

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... management systems at least annually. (c) Market risk factors. The bank's internal model must use risk factors sufficient to measure the market risk inherent in all covered positions. The risk factors must... risk weighting factor indicated in Table 2 of this appendix. The specific risk capital charge component...

  4. 12 CFR 227.15 - Unfair late charges.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... an unfair act or practice for a bank to levy or collect any delinquency charge on a payment, when the only delinquency is attributable to late fees or delinquency charges assessed on earlier installments...

  5. 12 CFR 1204.6 - What does it cost to get records under the Privacy Act?

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 12 Banks and Banking 7 2010-01-01 2010-01-01 false What does it cost to get records under the Privacy Act? 1204.6 Section 1204.6 Banks and Banking FEDERAL HOUSING FINANCE AGENCY ORGANIZATION AND... without your written agreement. (b) How does FHFA calculate fees? FHFA will charge a fee for duplication...

  6. 12 CFR 508.13 - Decision of the Office.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Decision of the Office. 508.13 Section 508.13 Banks and Banking OFFICE OF THRIFT SUPERVISION, DEPARTMENT OF THE TREASURY REMOVALS, SUSPENSIONS, AND PROHIBITIONS WHERE A CRIME IS CHARGED OR PROVEN § 508.13 Decision of the Office. (a) Within 30 days after the recommended decision has been certifie...

  7. 12 CFR 747.307 - Hearing.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... 12 Banks and Banking 7 2013-01-01 2013-01-01 false Hearing. 747.307 Section 747.307 Banks and..., ADJUDICATIVE HEARINGS, RULES OF PRACTICE AND PROCEDURE, AND INVESTIGATIONS Local Rules and Procedures Applicable to Suspensions and Prohibitions Where Felony Charged § 747.307 Hearing. (a) Upon receipt of a...

  8. 12 CFR 747.307 - Hearing.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... 12 Banks and Banking 7 2012-01-01 2012-01-01 false Hearing. 747.307 Section 747.307 Banks and..., ADJUDICATIVE HEARINGS, RULES OF PRACTICE AND PROCEDURE, AND INVESTIGATIONS Local Rules and Procedures Applicable to Suspensions and Prohibitions Where Felony Charged § 747.307 Hearing. (a) Upon receipt of a...

  9. Volunteer Community Language Bank.

    ERIC Educational Resources Information Center

    Novak, Sigfrid S.; And Others

    Lake Charles, Louisiana established a language bank capable of providing interpreters for 20 foreign languages. All participants are volunteers who offer to help free of charge in case of emergencies arising because of the considerable numbers of foreign visitors in the area. Smooth operation of the language bank depends on the following: (1) an…

  10. 12 CFR 932.4 - Credit risk capital requirement.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 932.4 Banks and Banking FEDERAL HOUSING FINANCE BOARD FEDERAL HOME LOAN BANK RISK MANAGEMENT AND...) Finance Board determination of credit risk percentage requirements. The Finance Board shall determine, and..., except that the Finance Board retains the right to adjust the credit capital charge to account for any...

  11. 12 CFR 339.5 - Escrow requirement.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... taxes, insurance premiums, fees, or any other charges for a loan secured by residential improved real... bank shall also require the escrow of all premiums and fees for any flood insurance required under... insurance that premiums are due, the bank, or a servicer acting on behalf of the bank, shall pay the amount...

  12. 12 CFR 339.5 - Escrow requirement.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... taxes, insurance premiums, fees, or any other charges for a loan secured by residential improved real... bank shall also require the escrow of all premiums and fees for any flood insurance required under... insurance that premiums are due, the bank, or a servicer acting on behalf of the bank, shall pay the amount...

  13. 12 CFR 572.8 - Determination fees.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Determination fees. 572.8 Section 572.8 Banks... FLOOD HAZARDS § 572.8 Determination fees. (a) General. Notwithstanding any Federal or State law other... association, or a servicer acting on behalf of the savings association, may charge a reasonable fee for...

  14. 12 CFR 760.8 - Determination fees.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Determination fees. 760.8 Section 760.8 Banks... HAVING SPECIAL FLOOD HAZARDS § 760.8 Determination fees. (a) General. Notwithstanding any Federal or... credit union, or a servicer acting on behalf of the credit union, may charge a reasonable fee for...

  15. Umbilical cord blood donation: public or private?

    PubMed

    Ballen, K K; Verter, F; Kurtzberg, J

    2015-10-01

    Umbilical cord blood (UCB) is a graft source for patients with malignant or genetic diseases who can be cured by allogeneic hematopoietic cell transplantation (HCT), but who do not have an appropriately HLA-matched family or volunteer unrelated adult donor. Starting in the 1990s, unrelated UCB banks were established, accepting donations from term deliveries and storing UCB units for public use. An estimated 730 000 UCB units have been donated and stored to date and ~35 000 UCB transplants have been performed worldwide. Over the past 20 years, private and family banks have grown rapidly, storing ~4 million UCB units for a particular patient or family, usually charging an up-front and yearly storage fee; therefore, these banks are able to be financially sustainable without releasing UCB units. Private banks are not obligated to fulfill the same regulatory requirements of the public banks. The public banks have released ~30 times more UCB units for therapy. Some countries have transitioned to an integrated banking model, a hybrid of public and family banking. Today, pregnant women, their families, obstetrical providers and pediatricians are faced with multiple choices about the disposition of their newborn's cord blood. In this commentary, we review the progress of UCB banking technology; we also analyze the current data on pediatric and adult unrelated UCB, including the recent expansion of interest in transplantation for hemoglobinopathies, and discuss emerging studies on the use of autologous UCB for neurologic diseases and regenerative medicine. We will review worldwide approaches to UCB banking, ethical considerations, criteria for public and family banking, integrated banking ideas and future strategies for UCB banking.

  16. 31 CFR 515.509 - Entries in certain accounts for normal service charges.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... against any foreign currency account maintained by it with a banking institution in a designated foreign... therewith. (b) As used in this section, the term normal service charge shall include charges in payment or...

  17. 31 CFR 500.509 - Entries in certain accounts for normal service charges.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... against any foreign currency account maintained by it with a banking institution in any designated foreign... therewith. (b) As used in this section, the term normal service charge shall include charges in payment or...

  18. 12 CFR 308.164 - Hearings.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... 12 Banks and Banking 5 2012-01-01 2012-01-01 false Hearings. 308.164 Section 308.164 Banks and... Where a Felony ls Charged § 308.164 Hearings. (a) Hearing dates. The Executive Secretary shall order a hearing to be commenced within 30 days after receipt of a request for hearing filed pursuant to § 308.163...

  19. 12 CFR 308.164 - Hearings.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 12 Banks and Banking 4 2011-01-01 2011-01-01 false Hearings. 308.164 Section 308.164 Banks and... Where a Felony ls Charged § 308.164 Hearings. (a) Hearing dates. The Executive Secretary shall order a hearing to be commenced within 30 days after receipt of a request for hearing filed pursuant to § 308.163...

  20. 12 CFR 308.164 - Hearings.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 12 Banks and Banking 4 2010-01-01 2010-01-01 false Hearings. 308.164 Section 308.164 Banks and... Where a Felony ls Charged § 308.164 Hearings. (a) Hearing dates. The Executive Secretary shall order a hearing to be commenced within 30 days after receipt of a request for hearing filed pursuant to § 308.163...

  1. 12 CFR 1402.25 - Interest.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... 12 Banks and Banking 9 2013-01-01 2013-01-01 false Interest. 1402.25 Section 1402.25 Banks and... § 1402.25 Interest. The Farm Credit System Insurance Corporation may begin charging interest on unpaid fees, starting on the 31st day following the day on which the bill for such fees was sent. Interest...

  2. 12 CFR 1402.25 - Interest.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... 12 Banks and Banking 9 2012-01-01 2012-01-01 false Interest. 1402.25 Section 1402.25 Banks and... § 1402.25 Interest. The Farm Credit System Insurance Corporation may begin charging interest on unpaid fees, starting on the 31st day following the day on which the bill for such fees was sent. Interest...

  3. 12 CFR 1402.25 - Interest.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 12 Banks and Banking 7 2010-01-01 2010-01-01 false Interest. 1402.25 Section 1402.25 Banks and... § 1402.25 Interest. The Farm Credit System Insurance Corporation may begin charging interest on unpaid fees, starting on the 31st day following the day on which the bill for such fees was sent. Interest...

  4. 12 CFR 1402.25 - Interest.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... 12 Banks and Banking 10 2014-01-01 2014-01-01 false Interest. 1402.25 Section 1402.25 Banks and... § 1402.25 Interest. The Farm Credit System Insurance Corporation may begin charging interest on unpaid fees, starting on the 31st day following the day on which the bill for such fees was sent. Interest...

  5. 12 CFR 1402.25 - Interest.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 12 Banks and Banking 7 2011-01-01 2011-01-01 false Interest. 1402.25 Section 1402.25 Banks and... § 1402.25 Interest. The Farm Credit System Insurance Corporation may begin charging interest on unpaid fees, starting on the 31st day following the day on which the bill for such fees was sent. Interest...

  6. Turning a Private Label Bank Card into a Multi-function Campus ID Card.

    ERIC Educational Resources Information Center

    James, Thomas G.; Norwood, Bill R.

    1991-01-01

    This article describes the development at Florida State University of the Seminole ACCESS card, which functions simultaneously as a bank automated teller machine card, a student identification card, and a debit card. Explained are the partnership between the university and the bank charge card center, funding system, technologies involved, and…

  7. 12 CFR 7.4001 - Charging interest at rates permitted competing institutions; charging interest to corporate...

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... bank may lawfully charge the highest rate permitted to be charged by a state-licensed small loan... small loan companies. (c) Effect on state definitions of interest. The Federal definition of the term... the law of that state. If state law permits different interest charges on specified classes of loans...

  8. 12 CFR 7.4001 - Charging interest at rates permitted competing institutions; charging interest to corporate...

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... bank may lawfully charge the highest rate permitted to be charged by a state-licensed small loan... small loan companies. (c) Effect on state definitions of interest. The Federal definition of the term... the law of that state. If state law permits different interest charges on specified classes of loans...

  9. 12 CFR 7.4001 - Charging interest at rates permitted competing institutions; charging interest to corporate...

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... bank may lawfully charge the highest rate permitted to be charged by a state-licensed small loan... small loan companies. (c) Effect on state definitions of interest. The Federal definition of the term... the law of that state. If state law permits different interest charges on specified classes of loans...

  10. 12 CFR 7.4001 - Charging interest at rates permitted competing institutions; charging interest to corporate...

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... bank may lawfully charge the highest rate permitted to be charged by a state-licensed small loan... small loan companies. (c) Effect on state definitions of interest. The Federal definition of the term... the law of that state. If state law permits different interest charges on specified classes of loans...

  11. 26 CFR 1.585-5 - Denial of bad debt reserves for large banks.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ....585-5 Section 1.585-5 Internal Revenue INTERNAL REVENUE SERVICE, DEPARTMENT OF THE TREASURY (CONTINUED) INCOME TAX (CONTINUED) INCOME TAXES (CONTINUED) Banking Institutions § 1.585-5 Denial of bad debt...)) with respect to its banking business is the specific charge-off method. In applying § 1.381(c)(4)-1(c...

  12. 31 CFR 1020.410 - Records to be made and retained by banks.

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ... 31 Money and Finance:Treasury 3 2012-07-01 2012-07-01 false Records to be made and retained by banks. 1020.410 Section 1020.410 Money and Finance: Treasury Regulations Relating to Money and Finance... (x) Pension or annuity checks; (4) Each item in excess of $100 (other than bank charges or periodic...

  13. 31 CFR 1020.410 - Records to be made and retained by banks.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ... 31 Money and Finance:Treasury 3 2013-07-01 2013-07-01 false Records to be made and retained by banks. 1020.410 Section 1020.410 Money and Finance: Treasury Regulations Relating to Money and Finance... (x) Pension or annuity checks; (4) Each item in excess of $100 (other than bank charges or periodic...

  14. 31 CFR 1020.410 - Records to be made and retained by banks.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... 31 Money and Finance:Treasury 3 2011-07-01 2011-07-01 false Records to be made and retained by banks. 1020.410 Section 1020.410 Money and Finance: Treasury Regulations Relating to Money and Finance... (x) Pension or annuity checks; (4) Each item in excess of $100 (other than bank charges or periodic...

  15. 31 CFR 1020.410 - Records to be made and retained by banks.

    Code of Federal Regulations, 2014 CFR

    2014-07-01

    ... 31 Money and Finance:Treasury 3 2014-07-01 2014-07-01 false Records to be made and retained by banks. 1020.410 Section 1020.410 Money and Finance: Treasury Regulations Relating to Money and Finance... (x) Pension or annuity checks; (4) Each item in excess of $100 (other than bank charges or periodic...

  16. Space platform power system hardware testbed

    NASA Technical Reports Server (NTRS)

    Sable, D.; Patil, A.; Sizemore, T.; Deuty, S.; Noon, J.; Cho, B. H.; Lee, F. C.

    1991-01-01

    The scope of the work on the NASA Space Platform includes the design of a multi-module, multi-phase boost regulator, and a voltage-fed, push-pull autotransformer converter for the battery discharger. A buck converter was designed for the charge regulator. Also included is the associated mode control electronics for the charger and discharger, as well as continued development of a comprehensive modeling and simulation tool for the system. The design of the multi-module boost converter is discussed for use as a battery discharger. An alternative battery discharger design is discussed using a voltage-fed, push-pull autotransformer converter. The design of the charge regulator is explained using a simple buck converter. The design of the mode controller and effects of locating the bus filter capacitor bank 20 feet away from the power ORU are discussed. A brief discussion of some alternative topologies for battery charging and discharging is included. The power system modeling is described.

  17. 12 CFR 344.6 - Notification by agreement; alternative forms and times of notification.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ....5. The bank may charge a reasonable fee for providing the information described in § 344.5. (d) Cash management sweep accounts. A bank effecting a securities transaction for a cash management sweep account...

  18. 20 kA PFN capacitor bank with solid-state switching. [pulse forming network for plasma studies

    NASA Technical Reports Server (NTRS)

    Posta, S. J.; Michels, C. J.

    1973-01-01

    A compact high-current pulse-forming network capacitor bank using paralleled silicon controlled rectifiers as switches is described. The maximum charging voltage of the bank is 1kV and maximum load current is 20 kA. The necessary switch equalization criteria and performance with dummy load and an arc plasma generator are described.

  19. 12 CFR Appendix C to Part 325 - Risk-Based Capital for State Non-Member Banks: Market Risk

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... instrument is a covered debt instrument that is subject to a non-zero specific risk capital charge. (A) For... indices. (iii) A bank must multiply the absolute value of the current market value of each net long or... conversion. (iii)(A) A bank must multiply the absolute value of the current market value of each net long or...

  20. Design of a Compact Coaxial Magnetized Plasma Gun for Magnetic Bubble Expansion Experiments

    DTIC Science & Technology

    2009-06-01

    a peak a current Igun~ 80 kA and gun voltages Vgun~1 kV utine operation at a bank voltage of 7.5 kV yiel plasm after breakdown. Typical Igun and...and D2 are power electronic diodes, SW is the dump relay and C is the bias flux capacitor bank. The SCR, controlled by a 1 kV Trigger Pulse...capacitor charging circuit is shown in Figure 8. Figure 8. Gas valve capacitor charging circuit diagram 0 kΩ. 1, D2 and D3 are power electronic

  1. 75 FR 19463 - Procedures for Monitoring Bank Secrecy Act Compliance

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-04-14

    ... `Bank Secrecy Act' (``BSA''). The Money Laundering Control Act of 1986 further augmented the BSA's... savings associations. Specifically, Section 1359 of the Anti-Drug Abuse Act of 1986, Public Law 99-570... of Thrift Supervision (``OTS'') is charged with the responsibility to examine savings association...

  2. 12 CFR 792.20 - What are the charges for each fee category?

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ....20 Section 792.20 Banks and Banking NATIONAL CREDIT UNION ADMINISTRATION REGULATIONS AFFECTING THE OPERATIONS OF THE NATIONAL CREDIT UNION ADMINISTRATION REQUESTS FOR INFORMATION UNDER THE FREEDOM OF INFORMATION ACT AND PRIVACY ACT, AND BY SUBPOENA; SECURITY PROCEDURES FOR CLASSIFIED INFORMATION The Freedom...

  3. 12 CFR 792.23 - Can I avoid charges by sending multiple, small requests?

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... requests? 792.23 Section 792.23 Banks and Banking NATIONAL CREDIT UNION ADMINISTRATION REGULATIONS AFFECTING THE OPERATIONS OF THE NATIONAL CREDIT UNION ADMINISTRATION REQUESTS FOR INFORMATION UNDER THE FREEDOM OF INFORMATION ACT AND PRIVACY ACT, AND BY SUBPOENA; SECURITY PROCEDURES FOR CLASSIFIED...

  4. 12 CFR 792.23 - Can I avoid charges by sending multiple, small requests?

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... requests? 792.23 Section 792.23 Banks and Banking NATIONAL CREDIT UNION ADMINISTRATION REGULATIONS AFFECTING THE OPERATIONS OF THE NATIONAL CREDIT UNION ADMINISTRATION REQUESTS FOR INFORMATION UNDER THE FREEDOM OF INFORMATION ACT AND PRIVACY ACT, AND BY SUBPOENA; SECURITY PROCEDURES FOR CLASSIFIED...

  5. 12 CFR 792.23 - Can I avoid charges by sending multiple, small requests?

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... requests? 792.23 Section 792.23 Banks and Banking NATIONAL CREDIT UNION ADMINISTRATION REGULATIONS AFFECTING THE OPERATIONS OF THE NATIONAL CREDIT UNION ADMINISTRATION REQUESTS FOR INFORMATION UNDER THE FREEDOM OF INFORMATION ACT AND PRIVACY ACT, AND BY SUBPOENA; SECURITY PROCEDURES FOR CLASSIFIED...

  6. 12 CFR 792.22 - What will NCUA charge for other services?

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ....22 Section 792.22 Banks and Banking NATIONAL CREDIT UNION ADMINISTRATION REGULATIONS AFFECTING THE OPERATIONS OF THE NATIONAL CREDIT UNION ADMINISTRATION REQUESTS FOR INFORMATION UNDER THE FREEDOM OF INFORMATION ACT AND PRIVACY ACT, AND BY SUBPOENA; SECURITY PROCEDURES FOR CLASSIFIED INFORMATION The Freedom...

  7. 12 CFR 792.22 - What will NCUA charge for other services?

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ....22 Section 792.22 Banks and Banking NATIONAL CREDIT UNION ADMINISTRATION REGULATIONS AFFECTING THE OPERATIONS OF THE NATIONAL CREDIT UNION ADMINISTRATION REQUESTS FOR INFORMATION UNDER THE FREEDOM OF INFORMATION ACT AND PRIVACY ACT, AND BY SUBPOENA; SECURITY PROCEDURES FOR CLASSIFIED INFORMATION The Freedom...

  8. 12 CFR 792.22 - What will NCUA charge for other services?

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ....22 Section 792.22 Banks and Banking NATIONAL CREDIT UNION ADMINISTRATION REGULATIONS AFFECTING THE OPERATIONS OF THE NATIONAL CREDIT UNION ADMINISTRATION REQUESTS FOR INFORMATION UNDER THE FREEDOM OF INFORMATION ACT AND PRIVACY ACT, AND BY SUBPOENA; SECURITY PROCEDURES FOR CLASSIFIED INFORMATION The Freedom...

  9. 12 CFR 792.20 - What are the charges for each fee category?

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ....20 Section 792.20 Banks and Banking NATIONAL CREDIT UNION ADMINISTRATION REGULATIONS AFFECTING THE OPERATIONS OF THE NATIONAL CREDIT UNION ADMINISTRATION REQUESTS FOR INFORMATION UNDER THE FREEDOM OF INFORMATION ACT AND PRIVACY ACT, AND BY SUBPOENA; SECURITY PROCEDURES FOR CLASSIFIED INFORMATION The Freedom...

  10. 12 CFR 792.20 - What are the charges for each fee category?

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ....20 Section 792.20 Banks and Banking NATIONAL CREDIT UNION ADMINISTRATION REGULATIONS AFFECTING THE OPERATIONS OF THE NATIONAL CREDIT UNION ADMINISTRATION REQUESTS FOR INFORMATION UNDER THE FREEDOM OF INFORMATION ACT AND PRIVACY ACT, AND BY SUBPOENA; SECURITY PROCEDURES FOR CLASSIFIED INFORMATION The Freedom...

  11. 12 CFR 792.23 - Can I avoid charges by sending multiple, small requests?

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... requests? 792.23 Section 792.23 Banks and Banking NATIONAL CREDIT UNION ADMINISTRATION REGULATIONS AFFECTING THE OPERATIONS OF THE NATIONAL CREDIT UNION ADMINISTRATION REQUESTS FOR INFORMATION UNDER THE FREEDOM OF INFORMATION ACT AND PRIVACY ACT, AND BY SUBPOENA; SECURITY PROCEDURES FOR CLASSIFIED...

  12. 12 CFR 792.23 - Can I avoid charges by sending multiple, small requests?

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... requests? 792.23 Section 792.23 Banks and Banking NATIONAL CREDIT UNION ADMINISTRATION REGULATIONS AFFECTING THE OPERATIONS OF THE NATIONAL CREDIT UNION ADMINISTRATION REQUESTS FOR INFORMATION UNDER THE FREEDOM OF INFORMATION ACT AND PRIVACY ACT, AND BY SUBPOENA; SECURITY PROCEDURES FOR CLASSIFIED...

  13. 12 CFR 792.22 - What will NCUA charge for other services?

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ....22 Section 792.22 Banks and Banking NATIONAL CREDIT UNION ADMINISTRATION REGULATIONS AFFECTING THE OPERATIONS OF THE NATIONAL CREDIT UNION ADMINISTRATION REQUESTS FOR INFORMATION UNDER THE FREEDOM OF INFORMATION ACT AND PRIVACY ACT, AND BY SUBPOENA; SECURITY PROCEDURES FOR CLASSIFIED INFORMATION The Freedom...

  14. 12 CFR 792.22 - What will NCUA charge for other services?

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ....22 Section 792.22 Banks and Banking NATIONAL CREDIT UNION ADMINISTRATION REGULATIONS AFFECTING THE OPERATIONS OF THE NATIONAL CREDIT UNION ADMINISTRATION REQUESTS FOR INFORMATION UNDER THE FREEDOM OF INFORMATION ACT AND PRIVACY ACT, AND BY SUBPOENA; SECURITY PROCEDURES FOR CLASSIFIED INFORMATION The Freedom...

  15. 12 CFR 792.20 - What are the charges for each fee category?

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ....20 Section 792.20 Banks and Banking NATIONAL CREDIT UNION ADMINISTRATION REGULATIONS AFFECTING THE OPERATIONS OF THE NATIONAL CREDIT UNION ADMINISTRATION REQUESTS FOR INFORMATION UNDER THE FREEDOM OF INFORMATION ACT AND PRIVACY ACT, AND BY SUBPOENA; SECURITY PROCEDURES FOR CLASSIFIED INFORMATION The Freedom...

  16. Minimization of Impact from Electric Vehicle Supply Equipment to the Electric Grid Using a Dynamically Controlled Battery Bank for Peak Load Shaving

    DOE Office of Scientific and Technical Information (OSTI.GOV)

    Castello, Charles C

    This research presents a comparison of two control systems for peak load shaving using local solar power generation (i.e., photovoltaic array) and local energy storage (i.e., battery bank). The purpose is to minimize load demand of electric vehicle supply equipment (EVSE) on the electric grid. A static and dynamic control system is compared to decrease demand from EVSE. Static control of the battery bank is based on charging and discharging to the electric grid at fixed times. Dynamic control, with 15-minute resolution, forecasts EVSE load based on data analysis of collected data. In the proposed dynamic control system, the sigmoidmore » function is used to shave peak loads while limiting scenarios that can quickly drain the battery bank. These control systems are applied to Oak Ridge National Laboratory s (ORNL) solar-assisted electric vehicle (EV) charging stations. This installation is composed of three independently grid-tied sub-systems: (1) 25 EVSE; (2) 47 kW photovoltaic (PV) array; and (3) 60 kWh battery bank. The dynamic control system achieved the greatest peak load shaving, up to 34% on a cloudy day and 38% on a sunny day. The static control system was not ideal; peak load shaving was 14.6% on a cloudy day and 12.7% on a sunny day. Simulations based on ORNL data shows solar-assisted EV charging stations combined with the proposed dynamic battery control system can negate up to 89% of EVSE load demand on sunny days.« less

  17. 12 CFR 710.4 - Transaction of business during liquidation.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... interest, payment of necessary expenses, clearing of share drafts and credit card charges will continue. (b... notified to discontinue the use of share drafts and credit cards, and items will not be cleared 15 days....4 Section 710.4 Banks and Banking NATIONAL CREDIT UNION ADMINISTRATION REGULATIONS AFFECTING CREDIT...

  18. 12 CFR 792.24 - Can NCUA charge me interest if I fail to pay my bill?

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... bill? 792.24 Section 792.24 Banks and Banking NATIONAL CREDIT UNION ADMINISTRATION REGULATIONS AFFECTING THE OPERATIONS OF THE NATIONAL CREDIT UNION ADMINISTRATION REQUESTS FOR INFORMATION UNDER THE FREEDOM OF INFORMATION ACT AND PRIVACY ACT, AND BY SUBPOENA; SECURITY PROCEDURES FOR CLASSIFIED...

  19. 12 CFR 792.24 - Can NCUA charge me interest if I fail to pay my bill?

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... bill? 792.24 Section 792.24 Banks and Banking NATIONAL CREDIT UNION ADMINISTRATION REGULATIONS AFFECTING THE OPERATIONS OF THE NATIONAL CREDIT UNION ADMINISTRATION REQUESTS FOR INFORMATION UNDER THE FREEDOM OF INFORMATION ACT AND PRIVACY ACT, AND BY SUBPOENA; SECURITY PROCEDURES FOR CLASSIFIED...

  20. 12 CFR 792.24 - Can NCUA charge me interest if I fail to pay my bill?

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... bill? 792.24 Section 792.24 Banks and Banking NATIONAL CREDIT UNION ADMINISTRATION REGULATIONS AFFECTING THE OPERATIONS OF THE NATIONAL CREDIT UNION ADMINISTRATION REQUESTS FOR INFORMATION UNDER THE FREEDOM OF INFORMATION ACT AND PRIVACY ACT, AND BY SUBPOENA; SECURITY PROCEDURES FOR CLASSIFIED...

  1. 12 CFR 792.24 - Can NCUA charge me interest if I fail to pay my bill?

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... bill? 792.24 Section 792.24 Banks and Banking NATIONAL CREDIT UNION ADMINISTRATION REGULATIONS AFFECTING THE OPERATIONS OF THE NATIONAL CREDIT UNION ADMINISTRATION REQUESTS FOR INFORMATION UNDER THE FREEDOM OF INFORMATION ACT AND PRIVACY ACT, AND BY SUBPOENA; SECURITY PROCEDURES FOR CLASSIFIED...

  2. 12 CFR 792.24 - Can NCUA charge me interest if I fail to pay my bill?

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... bill? 792.24 Section 792.24 Banks and Banking NATIONAL CREDIT UNION ADMINISTRATION REGULATIONS AFFECTING THE OPERATIONS OF THE NATIONAL CREDIT UNION ADMINISTRATION REQUESTS FOR INFORMATION UNDER THE FREEDOM OF INFORMATION ACT AND PRIVACY ACT, AND BY SUBPOENA; SECURITY PROCEDURES FOR CLASSIFIED...

  3. 12 CFR 710.4 - Transaction of business during liquidation.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... interest, payment of necessary expenses, clearing of share drafts and credit card charges will continue. (b... notified to discontinue the use of share drafts and credit cards, and items will not be cleared 15 days....4 Section 710.4 Banks and Banking NATIONAL CREDIT UNION ADMINISTRATION REGULATIONS AFFECTING CREDIT...

  4. 12 CFR 710.4 - Transaction of business during liquidation.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... interest, payment of necessary expenses, clearing of share drafts and credit card charges will continue. (b... notified to discontinue the use of share drafts and credit cards, and items will not be cleared 15 days....4 Section 710.4 Banks and Banking NATIONAL CREDIT UNION ADMINISTRATION REGULATIONS AFFECTING CREDIT...

  5. 12 CFR 710.4 - Transaction of business during liquidation.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... interest, payment of necessary expenses, clearing of share drafts and credit card charges will continue. (b... notified to discontinue the use of share drafts and credit cards, and items will not be cleared 15 days....4 Section 710.4 Banks and Banking NATIONAL CREDIT UNION ADMINISTRATION REGULATIONS AFFECTING CREDIT...

  6. 12 CFR 710.4 - Transaction of business during liquidation.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... interest, payment of necessary expenses, clearing of share drafts and credit card charges will continue. (b... notified to discontinue the use of share drafts and credit cards, and items will not be cleared 15 days....4 Section 710.4 Banks and Banking NATIONAL CREDIT UNION ADMINISTRATION REGULATIONS AFFECTING CREDIT...

  7. 12 CFR 1402.22 - Fees to be charged.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... Banks and Banking FARM CREDIT SYSTEM INSURANCE CORPORATION RELEASING INFORMATION Fees for Provision of...) (i.e., basic pay plus 16 percent of that rate) of the employee(s) making the search. (c) Computer... the cost of operating the central processing unit for that portion of operating time that is directly...

  8. 12 CFR 1402.22 - Fees to be charged.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... Banks and Banking FARM CREDIT SYSTEM INSURANCE CORPORATION RELEASING INFORMATION Fees for Provision of...) (i.e., basic pay plus 16 percent of that rate) of the employee(s) making the search. (c) Computer... the cost of operating the central processing unit for that portion of operating time that is directly...

  9. 12 CFR 1402.22 - Fees to be charged.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... Banks and Banking FARM CREDIT SYSTEM INSURANCE CORPORATION RELEASING INFORMATION Fees for Provision of...) (i.e., basic pay plus 16 percent of that rate) of the employee(s) making the search. (c) Computer... the cost of operating the central processing unit for that portion of operating time that is directly...

  10. 12 CFR 1402.22 - Fees to be charged.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... Banks and Banking FARM CREDIT SYSTEM INSURANCE CORPORATION RELEASING INFORMATION Fees for Provision of...) (i.e., basic pay plus 16 percent of that rate) of the employee(s) making the search. (c) Computer... the cost of operating the central processing unit for that portion of operating time that is directly...

  11. 12 CFR 1402.22 - Fees to be charged.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... Banks and Banking FARM CREDIT SYSTEM INSURANCE CORPORATION RELEASING INFORMATION Fees for Provision of...) (i.e., basic pay plus 16 percent of that rate) of the employee(s) making the search. (c) Computer... the cost of operating the central processing unit for that portion of operating time that is directly...

  12. 12 CFR 560.110 - Most favored lender usury preemption.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... Section 560.110 Banks and Banking OFFICE OF THRIFT SUPERVISION, DEPARTMENT OF THE TREASURY LENDING AND INVESTMENT Lending and Investment Provisions Applicable to all Savings Associations § 560.110 Most favored... lending institution by the law of that state. If state law permits different interest charges on specified...

  13. 12 CFR 614.4950 - Determination fees.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Determination fees. 614.4950 Section 614.4950... Insurance Requirements § 614.4950 Determination fees. (a) General. Notwithstanding any Federal or State law... charge a reasonable fee for determining whether the building or mobile home securing the loan is located...

  14. 26 CFR 1.597-4 - Bridge Banks and Agency Control.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... (g) of this section, Agency Control of an Institution does not terminate the Institution's membership.... (3) Toll charge. The amount described in this paragraph (g)(3) is the excess of the Institution's... Institution transfers deposit liabilities to a Bridge Bank, and an election under paragraph (g) of this...

  15. 26 CFR 1.597-4 - Bridge Banks and Agency Control.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... (g) of this section, Agency Control of an Institution does not terminate the Institution's membership.... (3) Toll charge. The amount described in this paragraph (g)(3) is the excess of the Institution's... Institution transfers deposit liabilities to a Bridge Bank, and an election under paragraph (g) of this...

  16. 31 CFR 356.17 - How and when do I pay for securities awarded in an auction?

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... other provisions, payment of the settlement amount must be by charge to the funds account of a... Federal Reserve Bank or that chooses not to pay by charge to its own funds account must have an approved... account will be charged under an autocharge agreement will receive advance notice from us of the total par...

  17. 12 CFR 263.62 - Relevant considerations for assessment of civil penalty.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 12 Banks and Banking 3 2010-01-01 2010-01-01 false Relevant considerations for assessment of civil... Collection of Civil Money Penalties § 263.62 Relevant considerations for assessment of civil penalty. In... the penalty with respect to the financial resources and good faith of the person charged, the gravity...

  18. 26 CFR 301.7507-4 - Unsegregated assets.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... unsegregated assets of a bank although the segregated assets are immune under the section. (2) If the... therefrom. Therefore, if, for example, in the case of a bank having a tax liability, not previously immune... which, in whole or part, are charged with the payment of depositors' claims, will be immune from tax...

  19. 26 CFR 301.7507-4 - Unsegregated assets.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... unsegregated assets of a bank although the segregated assets are immune under the section. (2) If the... therefrom. Therefore, if, for example, in the case of a bank having a tax liability, not previously immune... which, in whole or part, are charged with the payment of depositors' claims, will be immune from tax...

  20. 26 CFR 301.7507-4 - Unsegregated assets.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... unsegregated assets of a bank although the segregated assets are immune under the section. (2) If the... therefrom. Therefore, if, for example, in the case of a bank having a tax liability, not previously immune... which, in whole or part, are charged with the payment of depositors' claims, will be immune from tax...

  1. 26 CFR 301.7507-4 - Unsegregated assets.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... unsegregated assets of a bank although the segregated assets are immune under the section. (2) If the... therefrom. Therefore, if, for example, in the case of a bank having a tax liability, not previously immune... which, in whole or part, are charged with the payment of depositors' claims, will be immune from tax...

  2. 26 CFR 301.7507-4 - Unsegregated assets.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... unsegregated assets of a bank although the segregated assets are immune under the section. (2) If the... therefrom. Therefore, if, for example, in the case of a bank having a tax liability, not previously immune... which, in whole or part, are charged with the payment of depositors' claims, will be immune from tax...

  3. 12 CFR 269b.530 - Briefs in support of the hearing officer's report.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... report. 269b.530 Section 269b.530 Banks and Banking FEDERAL RESERVE SYSTEM (CONTINUED) BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM CHARGES OF UNFAIR LABOR PRACTICES Panel Review of Hearing Officer's... may file a brief in support of the hearing officer's report and recommendations subject to the same...

  4. 12 CFR 269b.450 - Submission of hearing officer's report to the panel.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... panel. 269b.450 Section 269b.450 Banks and Banking FEDERAL RESERVE SYSTEM (CONTINUED) BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM CHARGES OF UNFAIR LABOR PRACTICES Formal Proceedings § 269b.450... briefs, if any, the hearing officer shall prepare a report and recommendations, containing findings of...

  5. 12 CFR 210.26 - Definitions.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ...) Article 4A means article 4A of the Uniform Commercial Code as set forth in appendix B of this subpart. (b... Reserve Bank, or that receives a payment order from a Federal Reserve Bank, in lieu of an interest charge... clearing house transfers. (f) Interdistrict transfer means a funds transfer involving entries to accounts...

  6. 12 CFR 269b.220 - Priority; acceleration of proceedings.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... the setting aside of an election or the conduct of a new election shall be given priority. (b) The... 12 Banks and Banking 3 2010-01-01 2010-01-01 false Priority; acceleration of proceedings. 269b.220... RESERVE SYSTEM CHARGES OF UNFAIR LABOR PRACTICES Preliminary Investigation § 269b.220 Priority...

  7. Sorption and biodegradation of organic micropollutants during river bank filtration: a laboratory column study.

    PubMed

    Bertelkamp, C; Reungoat, J; Cornelissen, E R; Singhal, N; Reynisson, J; Cabo, A J; van der Hoek, J P; Verliefde, A R D

    2014-04-01

    This study investigated sorption and biodegradation behaviour of 14 organic micropollutants (OMP) in soil columns representative of the first metre (oxic conditions) of the river bank filtration (RBF) process. Breakthrough curves were modelled to differentiate between OMP sorption and biodegradation. The main objective of this study was to investigate if the OMP biodegradation rate could be related to the physico-chemical properties (charge, hydrophobicity and molecular weight) or functional groups of the OMPs. Although trends were observed between charge or hydrophobicity and the biodegradation rate for charged compounds, a statistically significant linear relationship for the complete OMP mixture could not be obtained using these physico-chemical properties. However, a statistically significant relationship was obtained between biological degradation rates and the OMP functional groups. The presence of ethers and carbonyl groups will increase biodegradability, while the presence of amines, ring structures, aliphatic ethers and sulphur will decrease biodegradability. This predictive model based on functional groups can be used by drinking water companies to make a first estimate whether a newly detected compound will be biodegraded during the first metre of RBF or that additional treatment is required. In addition, the influence of active and inactive biomass (biosorption), sand grains and the water matrix on OMP sorption was found to be negligible under the conditions investigated in this study. Retardation factors for most compounds were close to 1, indicating mobile behaviour of these compounds during soil passage. Adaptation of the biomass towards the dosed OMPs was not observed for a 6 month period, implying that new developed RBF sites might not be able to biodegrade compounds such as atrazine and sulfamethoxazole in the first few months of operation. Copyright © 2013 Elsevier Ltd. All rights reserved.

  8. 12 CFR 602.11 - Fees by type of requester.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 12 Banks and Banking 6 2011-01-01 2011-01-01 false Fees by type of requester. 602.11 Section 602... Fees § 602.11 Fees by type of requester. Depending on your identity and the purpose of your request... a commercial use. (b) Representatives of the news media. We charge fees for reproduction costs only...

  9. 12 CFR 602.11 - Fees by type of requester.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Fees by type of requester. 602.11 Section 602... Fees § 602.11 Fees by type of requester. Depending on your identity and the purpose of your request... a commercial use. (b) Representatives of the news media. We charge fees for reproduction costs only...

  10. 12 CFR 792.25 - Will NCUA charge me if the records are not found or are determined to be exempt?

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... found or are determined to be exempt? 792.25 Section 792.25 Banks and Banking NATIONAL CREDIT UNION ADMINISTRATION REGULATIONS AFFECTING THE OPERATIONS OF THE NATIONAL CREDIT UNION ADMINISTRATION REQUESTS FOR INFORMATION UNDER THE FREEDOM OF INFORMATION ACT AND PRIVACY ACT, AND BY SUBPOENA; SECURITY PROCEDURES FOR...

  11. 12 CFR 792.25 - Will NCUA charge me if the records are not found or are determined to be exempt?

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... found or are determined to be exempt? 792.25 Section 792.25 Banks and Banking NATIONAL CREDIT UNION ADMINISTRATION REGULATIONS AFFECTING THE OPERATIONS OF THE NATIONAL CREDIT UNION ADMINISTRATION REQUESTS FOR INFORMATION UNDER THE FREEDOM OF INFORMATION ACT AND PRIVACY ACT, AND BY SUBPOENA; SECURITY PROCEDURES FOR...

  12. 12 CFR 792.25 - Will NCUA charge me if the records are not found or are determined to be exempt?

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... found or are determined to be exempt? 792.25 Section 792.25 Banks and Banking NATIONAL CREDIT UNION ADMINISTRATION REGULATIONS AFFECTING THE OPERATIONS OF THE NATIONAL CREDIT UNION ADMINISTRATION REQUESTS FOR INFORMATION UNDER THE FREEDOM OF INFORMATION ACT AND PRIVACY ACT, AND BY SUBPOENA; SECURITY PROCEDURES FOR...

  13. 12 CFR 792.25 - Will NCUA charge me if the records are not found or are determined to be exempt?

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... found or are determined to be exempt? 792.25 Section 792.25 Banks and Banking NATIONAL CREDIT UNION ADMINISTRATION REGULATIONS AFFECTING THE OPERATIONS OF THE NATIONAL CREDIT UNION ADMINISTRATION REQUESTS FOR INFORMATION UNDER THE FREEDOM OF INFORMATION ACT AND PRIVACY ACT, AND BY SUBPOENA; SECURITY PROCEDURES FOR...

  14. 12 CFR 792.25 - Will NCUA charge me if the records are not found or are determined to be exempt?

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... found or are determined to be exempt? 792.25 Section 792.25 Banks and Banking NATIONAL CREDIT UNION ADMINISTRATION REGULATIONS AFFECTING THE OPERATIONS OF THE NATIONAL CREDIT UNION ADMINISTRATION REQUESTS FOR INFORMATION UNDER THE FREEDOM OF INFORMATION ACT AND PRIVACY ACT, AND BY SUBPOENA; SECURITY PROCEDURES FOR...

  15. 12 CFR Appendix B to Part 3 - Risk-Based Capital Guidelines; Market Risk Adjustment

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ...-zero specific risk capital charge. (A) For covered debt positions that are derivatives, a bank must... (including derivatives) in identical debt issues or indices. (iii) A bank must multiply the absolute value of... multiply the absolute value of the current market value of each net long or short covered equity position...

  16. 76 FR 14460 - Proposed Agency Information Collection Activities; Comment Request

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-03-16

    ... (for State member banks), 12 U.S.C. 1817 (for insured State nonmember commercial and savings banks), 12 U.S.C. 1464 (for savings associations), and 12 U.S.C. 3105(c)(2), 1817(a), and 3102(b) (for U.S.... Deposit Insurance Assessment Base In recent years, the FDIC has charged insured depository institutions...

  17. 76 FR 67519 - Self-Regulatory Organizations; Fixed Income Clearing Corporation; Notice of Filing of Proposed...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-11-01

    ... Expand the Applicability of the Fails Charge to Agency Debt Securities Transactions October 26, 2011... the fails charge to Agency debt securities transactions. II. Self-Regulatory Organization's Statement... Federal Reserve Bank of New York (the ``FRBNY''), has been addressing the persistent settlement fails in...

  18. 26 CFR 1.166-2 - Evidence of worthlessness.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... charge-off. If a bank or other corporation which is subject to supervision by Federal authorities, or by State authorities maintaining substantially equivalent standards, charges off a debt in whole or in part, either— (i) In obedience to the specific orders of such authorities, or (ii) In accordance with...

  19. 26 CFR 1.166-2 - Evidence of worthlessness.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... charge-off. If a bank or other corporation which is subject to supervision by Federal authorities, or by State authorities maintaining substantially equivalent standards, charges off a debt in whole or in part, either— (i) In obedience to the specific orders of such authorities, or (ii) In accordance with...

  20. 26 CFR 1.166-2 - Evidence of worthlessness.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... charge-off. If a bank or other corporation which is subject to supervision by Federal authorities, or by State authorities maintaining substantially equivalent standards, charges off a debt in whole or in part, either— (i) In obedience to the specific orders of such authorities, or (ii) In accordance with...

  1. 26 CFR 1.166-2 - Evidence of worthlessness.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... charge-off. If a bank or other corporation which is subject to supervision by Federal authorities, or by State authorities maintaining substantially equivalent standards, charges off a debt in whole or in part, either— (i) In obedience to the specific orders of such authorities, or (ii) In accordance with...

  2. 7 CFR 1488.14 - Interest charges.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... Export Sales of Agricultural Commodities From Private Stocks Under CCC Export Credit Sales Program (GSM-5) Bank Obligations and Repayment § 1488.14 Interest charges. The account receivable assigned to CCC and..., CCC after consultation with the Controller, CCC, to be in the interest of CCC, be lower than the...

  3. 7 CFR 1488.14 - Interest charges.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... Export Sales of Agricultural Commodities From Private Stocks Under CCC Export Credit Sales Program (GSM-5) Bank Obligations and Repayment § 1488.14 Interest charges. The account receivable assigned to CCC and..., CCC after consultation with the Controller, CCC, to be in the interest of CCC, be lower than the...

  4. The Effect of the Minimum Compensating Cash Balance on School District Investments.

    ERIC Educational Resources Information Center

    Dembowski, Frederick L.

    Banks are usually reimbursed for their checking account services either by a fixed service charge or by requiring a minimum or minimum-average compensating cash balance. This paper demonstrates how to determine the optimal minimum balance for a school district to maintain in its account. It is assumed that both the bank and the school district use…

  5. 12 CFR 8.8 - Notice of Comptroller of the Currency fees.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 12 Banks and Banking 1 2010-01-01 2010-01-01 false Notice of Comptroller of the Currency fees. 8.8... Comptroller of the Currency Fees” shall be published no later than the first business day in December of each year for fees to be charged by the Office during the upcoming year. These fees will be effective...

  6. Note: Repetitive operation of the capacitor bank of the low-voltage miniature plasma focus at 50 Hz.

    PubMed

    Shukla, Rohit; Shyam, Anurag

    2013-10-01

    We have already reported the low-voltage operation of a plasma focus describing the operation of plasma focus at 4.2 kV which proposes possibility of making a repetitive system using compact driving source. Another recent article describes that the same capacitor-bank can drive the plasma focus for a measured ~5 × 10(4) neutrons per shot at 5 kV and 59 kA current. In the present work, repetitive operation of the capacitor-bank of plasma focus is done and that too is being reported at a very high repetition rate of 50 Hz using very simple scheme of charging and triggering the bank. The bank is continuously discharged to burst duration of 20 s in this configuration admeasuring a thousand shots.

  7. JPRS Report, Near East & South Asia

    DTIC Science & Technology

    1989-03-31

    character of cer- tain functions. [REVOLUTION AFRICAINE] Coordination hasn’t been the strong suit of the executive, political and legislative institutions... Westminister Bank of Britain was charged with marketing the loan provided that the nine banks participating in the loan are given equal shares. The...transitional government that would hold legislative elections to pave the way for a secular democratic regime that would bring about peace between

  8. 19 CFR 24.1 - Collection of Customs duties, taxes, fees, interest, and other charges.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... United States currency or coin legally current at time of acceptance shall be accepted. (2) Any bank... Customs, may be used for the payment of duties, taxes, fees, and/or other charges at designated Customs... Federal Register citations affecting § 24.1, see the List of CFR Sections Affected, which appears in the...

  9. Survey data on factors affecting negotiation of professional fees between Estate Valuers and their clients when the mortgage is financed by bank loan: A case study of mortgage valuations in Ikeja, Lagos State, Nigeria.

    PubMed

    Iroham, Chukwuemeka O; Okagbue, Hilary I; Ogunkoya, Olalekan A; Owolabi, James D

    2017-06-01

    In this article, two sets of questionnaires were administered to professionals and clients (commercial banks) on their willingness to negotiate the professional fees charged by the Estate Valuers assuming that the mortgage in valuation was financed by bank loan. A range of fees options were provided. Other factors such as the business environment and mortgage valuation can influence the negotiated fees when the data obtained from the survey data is analyzed.

  10. Hardware and Procedures for Using the Diveair2 Monitor to Test Diving Air Quality in the Field

    DTIC Science & Technology

    2011-09-01

    Dive System ( LWDS ), and the Fly- Away Dive System (FADS); b. one pressure-reducing regulator (“reducer”) mounted on the inside of the lid of the...1. compressors and air banks, 6 2. scuba bottles that had already been charged, 3. the Navy’s LWDS , both during and after charging, and...site where the charging whip attaches to that scuba bottle. c. A LWDS adaptor, to allow air from the LWDS to be sampled both during and after

  11. 12 CFR 227.26 - Unfair charging of security deposits and fees for the issuance or availability of credit to...

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... for the issuance or availability of credit to consumer credit card accounts. 227.26 Section 227.26... UNFAIR OR DECEPTIVE ACTS OR PRACTICES (REGULATION AA) Consumer Credit Card Account Practices Rule § 227... consumer credit card accounts. (a) Limitation for first year. During the first year, a bank must not charge...

  12. Bank supervision using the Threshold-Minimum Dominating Set

    NASA Astrophysics Data System (ADS)

    Gogas, Periklis; Papadimitriou, Theophilos; Matthaiou, Maria-Artemis

    2016-06-01

    An optimized, healthy and stable banking system resilient to financial crises is a prerequisite for sustainable growth. Minimization of (a) the associated systemic risk and (b) the propagation of contagion in the case of a banking crisis are necessary conditions to achieve this goal. Central Banks are in charge of this significant undertaking via a close and detailed monitoring of the banking network. In this paper, we propose the use of an auxiliary supervision/monitoring system that is both efficient with respect to the required resources and can promptly identify a set of banks that are in distress so that immediate and appropriate action can be taken by the supervising authority. We use the network defined by the interrelations between banking institutions employing tools from Complex Networks theory for an efficient management of the entire banking network. In doing so, we introduce the Threshold Minimum Dominating Set (T-MDS). The T-MDS is used to identify the smallest and most efficient subset of banks that can be used as (a) sensors of distress of a manifesting banking crisis and (b) provide a path of possible contagion. We propose the use of this method as a supplementary monitoring tool in the arsenal of a Central Bank. Our dataset includes the 122 largest American banks in terms of their interbank loans. The empirical results show that when the T-MDS methodology is applied, we can have an efficient supervision of the whole banking network, by monitoring just a subset of 47 banks.

  13. 12 CFR 5.35 - Bank service companies.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... and deposit posting and sorting; computation and posting of interest and other credits and charges... OCC concludes that an application presents significant and novel policy, supervisory, or legal issues...

  14. Simulation and Performance Analysis of Lithium Battery Bank Mounted on the Hybrid Power System for Mobile Public Health Center

    NASA Astrophysics Data System (ADS)

    Busono, Pratondo; Kartini, Evvy

    2013-07-01

    Mobile medical clinic has been proposed to serve homeless people, people in the disaster area or in the remote area where no health service exist. At that site, a number of essential services such as primary health care, general health screening, medical treatment and emergency/rescue operations are required. Such services usually requires on board electrical equipments such as refrigerators, komputer, power tools and medical equipments. To supply such electrical equipments, it needs extra auxiliary power sources, in addition of standard automotive power supply. The auxiliary power source specifically design to supply non automotive load which may have similar configuration, but usually uses high power alternator rated and larger deep cycle on board battery bank. This study covers the modeling and dynamic simulation of auxiliary power source/battery to supply the medical equipment and other electrical equipments on board. It consists a variable speed diesel generator set, photovoltaic (PV) generator mounted on the roof of the car, a rechargable battery bank. As an initial step in the system design, a simulation study was performed. The simulation is conducted in the system level. Simulation results shows that dynamical behaviour by means of current density, voltage and power plot over a chosen time range, and functional behaviour such as charging and discharging characteristic of the battery bank can be obtained.

  15. A national study of the provision of oncology sperm banking services among Canadian fertility clinics.

    PubMed

    Yee, S; Buckett, W; Campbell, S; Yanofsky, R A; Barr, R D

    2013-07-01

    The purpose of this study was to survey the current state of oncology sperm banking services provided by fertility clinics across Canada. A total of 78 Canadian fertility facilities were invited to complete a questionnaire related to the availability, accessibility, affordability and utilisation of sperm banking services for cancer patients. The total response rate was 59%, with 20 (69%) in vitro fertilisation clinics and 26 (53%) other fertility centres returning the survey. A total of 24 responding facilities accepted oncology sperm banking referrals. The time frame to book the first banking appointment for 19 (79%) facilities was within 2 days. Inconsistent practice was found regarding the consent process for cancer patients who are of minority age. Eight (33%) facilities did not provide any subsidy and charged a standard banking fee regardless of patients' financial situations. Overall, the utilisation of oncology sperm banking services was low despite its availability and established efficacy, suggesting that Canadian cancer patients are notably underserved. The study has highlighted some important issues for further consideration in improving access to sperm banking services for cancer patients, especially for adolescents. Better collaboration between oncology and reproductive medicine to target healthcare providers would help to improve sperm banking rates. © 2013 John Wiley & Sons Ltd.

  16. Evaluation of portfolio credit risk based on survival analysis for progressive censored data

    NASA Astrophysics Data System (ADS)

    Jaber, Jamil J.; Ismail, Noriszura; Ramli, Siti Norafidah Mohd

    2017-04-01

    In credit risk management, the Basel committee provides a choice of three approaches to the financial institutions for calculating the required capital: the standardized approach, the Internal Ratings-Based (IRB) approach, and the Advanced IRB approach. The IRB approach is usually preferred compared to the standard approach due to its higher accuracy and lower capital charges. This paper use several parametric models (Exponential, log-normal, Gamma, Weibull, Log-logistic, Gompertz) to evaluate the credit risk of the corporate portfolio in the Jordanian banks based on the monthly sample collected from January 2010 to December 2015. The best model is selected using several goodness-of-fit criteria (MSE, AIC, BIC). The results indicate that the Gompertz distribution is the best model parametric model for the data.

  17. A Power-Efficient Wireless Capacitor Charging System Through an Inductive Link

    PubMed Central

    Lee, Hyung-Min; Ghovanloo, Maysam

    2014-01-01

    A power-efficient wireless capacitor charging system for inductively powered applications has been presented. A bank of capacitors can be directly charged from an ac source by generating a current through a series charge injection capacitor and a capacitor charger circuit. The fixed charging current reduces energy loss in switches, while maximizing the charging efficiency. An adaptive capacitor tuner compensates for the resonant capacitance variations during charging to keep the amplitude of the ac input voltage at its peak. We have fabricated the capacitor charging system prototype in a 0.35-μm 4-metal 2-poly standard CMOS process in 2.1 mm2 of chip area. It can charge four pairs of capacitors sequentially. While receiving 2.7-V peak ac input through a 2-MHz inductive link, the capacitor charging system can charge each pair of 1 μF capacitors up to ±2 V in 420 μs, achieving a high measured charging efficiency of 82%. PMID:24678284

  18. A Power-Efficient Wireless Capacitor Charging System Through an Inductive Link.

    PubMed

    Lee, Hyung-Min; Ghovanloo, Maysam

    2013-10-01

    A power-efficient wireless capacitor charging system for inductively powered applications has been presented. A bank of capacitors can be directly charged from an ac source by generating a current through a series charge injection capacitor and a capacitor charger circuit. The fixed charging current reduces energy loss in switches, while maximizing the charging efficiency. An adaptive capacitor tuner compensates for the resonant capacitance variations during charging to keep the amplitude of the ac input voltage at its peak. We have fabricated the capacitor charging system prototype in a 0.35- μ m 4-metal 2-poly standard CMOS process in 2.1 mm 2 of chip area. It can charge four pairs of capacitors sequentially. While receiving 2.7-V peak ac input through a 2-MHz inductive link, the capacitor charging system can charge each pair of 1 μ F capacitors up to ±2 V in 420 μ s, achieving a high measured charging efficiency of 82%.

  19. The role of bank collapse on tidal creek ontogeny: A novel process-based model for bank retreat

    NASA Astrophysics Data System (ADS)

    Gong, Zheng; Zhao, Kun; Zhang, Changkuan; Dai, Weiqi; Coco, Giovanni; Zhou, Zeng

    2018-06-01

    Bank retreat in coastal tidal flats plays a primary role on the planimetric shape of tidal creeks and is commonly driven by both flow-induced bank erosion and gravity-induced bank collapse. However, existing modelling studies largely focus on bank erosion and overlook bank collapse. We build a bank retreat model coupling hydrodynamics, bank erosion and bank collapse. To simulate the process of bank collapse, a stress-deformation model is utilized to calculate the stress variation of bank soil after bank erosion, and the Mohr-Coulomb failure criterion is then applied to evaluate the stability of the tidal creek bank. Results show that the bank failure process can be categorized into three stages, i.e., shear failure at the bank toe (stage I), tensile failure on the bank top (stage II), and sectional cracking from the bank top to the toe (stage III). With only bank erosion, the planimetric shapes of tidal creeks are funneled due to the gradually seaward increasing discharge. In contrast to bank erosion, bank collapse is discontinuous, and the contribution of bank collapse to bank retreat can reach 85%, highlighting that the expansion of tidal creeks can be dominated by bank collapse process. The planimetric shapes of tidal creeks are funneled with a much faster expansion rate when bank collapse is considered. Overall, this study makes a further step toward more physical and realistic simulation of bank retreat in estuarine and coastal settings and the developed bank collapse module can be readily included in other morphodynamic models.

  20. Note: Compact high voltage pulse transformer made using a capacitor bank assembled in the shape of primary.

    PubMed

    Shukla, Rohit; Banerjee, Partha; Sharma, Surender K; Das, Rashmita; Deb, Pankaj; Prabaharan, T; Das, Basanta; Adhikary, Biswajit; Verma, Rishi; Shyam, Anurag

    2011-10-01

    The experimental results of an air-core pulse transformer are presented, which is very compact (<10 Kg in weight) and is primed by a capacitor bank that is fabricated in such a way that the capacitor bank with its switch takes the shape of single-turn rectangular shaped primary of the transformer. A high voltage capacitor assembly (pulse-forming-line capacitor, PFL) of 5.1 nF is connected with the secondary of transformer. The transformer output voltage is 160 kV in its second peak appearing in less than 2 μS from the beginning of the capacitor discharge. The primary capacitor bank can be charged up to a maximum of 18 kV, with the voltage delivery of 360 kV in similar capacitive loads.

  1. Dialectic of control and emancipation in organizing for social change: a multitheoretic study of the Grameen Bank in Bangladesh.

    PubMed

    Papa, M J; Auwal, M A; Singhal, A

    1995-08-01

    Dedicated to helping the poorest of the poor obtain the financial means to become productively self-employed, the Grameen Bank in Bangladesh is founded upon the belief that credit is a fundamental human right and that development should be measured according to the per capita income of the bottom 50% of the population. The bank provides collateral-free loans and social services for the poor, charging 20% interest on capital, all the while maintaining a 99% loan recovery rate. The bank has 1.9 million members, 94% of whom are women, and has successfully organized grassroots microenterprises for productive self-employment and social change. The authors use the coorientation, concertive control, and critical feminist theories to analyze the bank's programs in an effort to explain the dialectic between control and emancipation in organizing for social change. Examining the bank's organizational processes from multiple theoretical perspectives allows insights to be drawn about theory and praxis in organizing for social change. The Grameen Bank has effectively demonstrated that development is an organized process of education, environmentally sound productivity, and improvement in the quality of life for the poorest of the poor.

  2. Mazda's new V-6 gasoline engine and its innovative induction system

    DOE Office of Scientific and Technical Information (OSTI.GOV)

    Hatamura, K.; Morishita, K.; Asanomi, K.

    1987-01-01

    Mazda succeeded in the development of a new V-type 6-cylinder engine series comprising 2-liter JF naturally aspirated and turbocharged units and also a 3-liter JE naturally aspirated unit. This engine is 60-degree-banked and has 18 valves: two intake valves and one exhaust valve per cylinder. Various techniques, such as High Rigidity Cylinder Block and HLA, are adopted to upgrade quietness and smoothness. The Dynamic Charge Effects system, a combination of inertia and resonance charge effects, is modeled on the principle of two-degree-of-freedom system. The application of this principle helped develop the Induction system that is compatible with the three enginemore » types. The turbocharger adopted on the JF engine is of a twin scroll type to considerably improve power response quality and increase torque at low speed. Triple Port Induction Control System is used to help improve fuel economy and running performance.« less

  3. Weaknesses in Oversight of Naval Sea Systems Command Ship Maintenance Contract in Southwest Asia

    DTIC Science & Technology

    2010-09-27

    task orders for engineering services under the contract to bank approximately $20.3 million in O& M funds. The task orders functioned as a way to bank...profit on repair parts obtained from IFM and has requested cost and pricing data to support that IFM has not charged FMSNA profit on the parts. In a ...Fincantieri.9 See the figure for a Fincantieri Corporate organizational chart that shows the relationship of FMSNA and IFM under the parent company

  4. Power factor improvement in three-phase networks with unbalanced inductive loads using the Roederstein ESTAmat RPR power factor controller

    NASA Astrophysics Data System (ADS)

    Diniş, C. M.; Cunţan, C. D.; Rob, R. O. S.; Popa, G. N.

    2018-01-01

    The paper presents the analysis of a power factor with capacitors banks, without series coils, used for improving power factor for a three-phase and single-phase inductive loads. In the experimental measurements, to improve the power factor, the Roederstein ESTAmat RPR power factor controller can command up to twelve capacitors banks, while experimenting using only six capacitors banks. Six delta capacitors banks with approximately equal reactive powers were used for experimentation. The experimental measurements were carried out with a three-phase power quality analyser which worked in three cases: a case without a controller with all capacitors banks permanently parallel connected with network, and two other cases with power factor controller (one with setting power factor at 0.92 and the other one at 1). When performing experiments with the power factor controller, a current transformer was used to measure the current on one phase (at a more charged or less loaded phase).

  5. Cascading Failures in Bi-partite Graphs: Model for Systemic Risk Propagation

    PubMed Central

    Huang, Xuqing; Vodenska, Irena; Havlin, Shlomo; Stanley, H. Eugene

    2013-01-01

    As economic entities become increasingly interconnected, a shock in a financial network can provoke significant cascading failures throughout the system. To study the systemic risk of financial systems, we create a bi-partite banking network model composed of banks and bank assets and propose a cascading failure model to describe the risk propagation process during crises. We empirically test the model with 2007 US commercial banks balance sheet data and compare the model prediction of the failed banks with the real failed banks after 2007. We find that our model efficiently identifies a significant portion of the actual failed banks reported by Federal Deposit Insurance Corporation. The results suggest that this model could be useful for systemic risk stress testing for financial systems. The model also identifies that commercial rather than residential real estate assets are major culprits for the failure of over 350 US commercial banks during 2008–2011. PMID:23386974

  6. An analysis of river bank slope and unsaturated flow effects on bank storage.

    PubMed

    Doble, Rebecca; Brunner, Philip; McCallum, James; Cook, Peter G

    2012-01-01

    Recognizing the underlying mechanisms of bank storage and return flow is important for understanding streamflow hydrographs. Analytical models have been widely used to estimate the impacts of bank storage, but are often based on assumptions of conditions that are rarely found in the field, such as vertical river banks and saturated flow. Numerical simulations of bank storage and return flow in river-aquifer cross sections with vertical and sloping banks were undertaken using a fully-coupled, surface-subsurface flow model. Sloping river banks were found to increase the bank infiltration rates by 98% and storage volume by 40% for a bank slope of 3.4° from horizontal, and for a slope of 8.5°, delay bank return flow by more than four times compared with vertical river banks and saturated flow. The results suggested that conventional analytical approximations cannot adequately be used to quantify bank storage when bank slope is less than 60° from horizontal. Additionally, in the unconfined aquifers modeled, the analytical solutions did not accurately model bank storage and return flow even in rivers with vertical banks due to a violation of the dupuit assumption. Bank storage and return flow were also modeled for more realistic cross sections and river hydrograph from the Fitzroy River, Western Australia, to indicate the importance of accurately modeling sloping river banks at a field scale. Following a single wet season flood event of 12 m, results showed that it may take over 3.5 years for 50% of the bank storage volume to return to the river. © 2011, The Author(s). Ground Water © 2011, National Ground Water Association.

  7. 32 CFR 1665.6 - Schedule of fees.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ... furnish to him, or to any person he may designate, one copy of his Selective Service file free of charge... a bank in the United States, or postal money order. Remittances shall be made payable to the order...

  8. 32 CFR 1665.6 - Schedule of fees.

    Code of Federal Regulations, 2014 CFR

    2014-07-01

    ... furnish to him, or to any person he may designate, one copy of his Selective Service file free of charge... a bank in the United States, or postal money order. Remittances shall be made payable to the order...

  9. 32 CFR 1665.6 - Schedule of fees.

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ... furnish to him, or to any person he may designate, one copy of his Selective Service file free of charge... a bank in the United States, or postal money order. Remittances shall be made payable to the order...

  10. 32 CFR 1665.6 - Schedule of fees.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... furnish to him, or to any person he may designate, one copy of his Selective Service file free of charge... a bank in the United States, or postal money order. Remittances shall be made payable to the order...

  11. 31 CFR 321.23 - Paying agent fees and charges.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... securities received by a Bank in mixed cash letters. (2) To comply with the provisions of the Balanced Budget... accordance with the schedule of fees as hereafter published, subject to the availability of funds therefor...

  12. 20 CFR 429.205 - What is not allowable under this subpart?

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... receipts, insurance policies, baggage checks, and bank books, is not compensable. Loss of a thesis, or... incidental expenses (such as loss of use, interest, carrying charges, cost of lodging or food while awaiting...

  13. Structural Isosteres of Phosphate Groups in the Protein Data Bank.

    PubMed

    Zhang, Yuezhou; Borrel, Alexandre; Ghemtio, Leo; Regad, Leslie; Boije Af Gennäs, Gustav; Camproux, Anne-Claude; Yli-Kauhaluoma, Jari; Xhaard, Henri

    2017-03-27

    We developed a computational workflow to mine the Protein Data Bank for isosteric replacements that exist in different binding site environments but have not necessarily been identified and exploited in compound design. Taking phosphate groups as examples, the workflow was used to construct 157 data sets, each composed of a reference protein complexed with AMP, ADP, ATP, or pyrophosphate as well other ligands. Phosphate binding sites appear to have a high hydration content and large size, resulting in U-shaped bioactive conformations recurrently found across unrelated protein families. A total of 16 413 replacements were extracted, filtered for a significant structural overlap on phosphate groups, and sorted according to their SMILES codes. In addition to the classical isosteres of phosphate, such as carboxylate, sulfone, or sulfonamide, unexpected replacements that do not conserve charge or polarity, such as aryl, aliphatic, or positively charged groups, were found.

  14. Collection of biological and non-biological particles by new and used filters made from glass and electrostatically charged synthetic fibers.

    PubMed

    Raynor, P C; Kim, B G; Ramachandran, G; Strommen, M R; Horns, J H; Streifel, A J

    2008-02-01

    Synthetic filters made from fibers carrying electrostatic charges and fiberglass filters that do not carry electrostatic charges are both utilized commonly in heating, ventilating, and air-conditioning (HVAC) systems. The pressure drop and efficiency of a bank of fiberglass filters and a bank of electrostatically charged synthetic filters were measured repeatedly for 13 weeks in operating HVAC systems at a hospital. Additionally, the efficiency with which new and used fiberglass and synthetic filters collected culturable biological particles was measured in a test apparatus. Pressure drop measurements adjusted to equivalent flows indicated that the synthetic filters operated with a pressure drop less than half that of the fiberglass filters throughout the test. When measured using total ambient particles, synthetic filter efficiency decreased during the test period for all particle diameters. For particles 0.7-1.0 mum in diameter, efficiency decreased from 92% to 44%. It is hypothesized that this reduction in collection efficiency may be due to charge shielding. Efficiency did not change significantly for the fiberglass filters during the test period. However, when measured using culturable biological particles in the ambient air, efficiency was essentially the same for new filters and filters used for 13 weeks in the hospital for both the synthetic and fiberglass filters. It is hypothesized that the lack of efficiency reduction for culturable particles may be due to their having higher charge than non-biological particles, allowing them to overcome the effects of charge shielding. The type of particles requiring capture may be an important consideration when comparing the relative performance of electrostatically charged synthetic and fiberglass filters. Electrostatically charged synthetic filters with high initial efficiency can frequently replace traditional fiberglass filters with lower efficiency in HVAC systems because properly designed synthetic filters offer less resistance to air flow. Although the efficiency of charged synthetic filters at collecting non-biological particles declined substantially with use, the efficiency of these filters at collecting biological particles remained steady. These findings suggest that the merits of electrostatically charged synthetic HVAC filters relative to fiberglass filters may be more pronounced if collection of biological particles is of primary concern.

  15. Suppressing Thermal Energy Drift in the LLNL Flash X-Ray Accelerator Using Linear Disk Resistor Stacks

    DTIC Science & Technology

    2011-06-01

    induction accelerator with a voltage output of 18MeV at a current of 3kA. The electron beam is focused onto a tantalum target to produce X-rays. The... capacitors in each bank, half of which are charged in parallel positively, and the other half are negatively charged in parallel. The charge voltage can...be varied from ±30kV to ±40kV. The Marx capacitors are fired in series into the Blumleins with up to 400kV 2µS output. Figure 1 FXR Pulsed Power

  16. Energy management of an experimental microgrid coupled to a V2G system

    NASA Astrophysics Data System (ADS)

    Mendes, Paulo R. C.; Isorna, Luis Valverde; Bordons, Carlos; Normey-Rico, Julio E.

    2016-09-01

    This paper presents an algorithm for economic optimization of a laboratory microgrid. The microgrid incorporates a hybrid storage system composed of a battery bank and a hydrogen storage and it has a connection with the external electrical network and a charging station for electric vehicles. To study the impact of use of renewable energy power systems, the microgrid has a programmable power supply that can emulate the dynamic behavior of a wind turbine and/or a photovoltaic field. The system modeling was carried out using the Energy Hubs methodology. A hierarchical control structure is proposed based on Model Predictive Control and acting in different time scales, where the first level is responsible for maintaining the microgrid stability and the second level has the task of performing the management of electricity purchase and sale to the power grid, maximize the use of renewable energy sources, manage the use of energy storages and perform the charge of the parked vehicles. Practical experiments were performed with different weather conditions of solar irradiation and wind. The results show a reliable operation of the proposed control system.

  17. 12 CFR 573.2 - Model privacy form and examples.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... 12 Banks and Banking 6 2014-01-01 2012-01-01 true Model privacy form and examples. 573.2 Section 573.2 Banks and Banking OFFICE OF THRIFT SUPERVISION, DEPARTMENT OF THE TREASURY PRIVACY OF CONSUMER FINANCIAL INFORMATION § 573.2 Model privacy form and examples. (a) Model privacy form. Use of the model...

  18. 12 CFR 40.2 - Model privacy form and examples.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 12 Banks and Banking 1 2011-01-01 2011-01-01 false Model privacy form and examples. 40.2 Section 40.2 Banks and Banking COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE TREASURY PRIVACY OF CONSUMER FINANCIAL INFORMATION § 40.2 Model privacy form and examples. (a) Model privacy form. Use of the model...

  19. 12 CFR 573.2 - Model privacy form and examples.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 12 Banks and Banking 5 2011-01-01 2011-01-01 false Model privacy form and examples. 573.2 Section 573.2 Banks and Banking OFFICE OF THRIFT SUPERVISION, DEPARTMENT OF THE TREASURY PRIVACY OF CONSUMER FINANCIAL INFORMATION § 573.2 Model privacy form and examples. (a) Model privacy form. Use of the model...

  20. 12 CFR 40.2 - Model privacy form and examples.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... 12 Banks and Banking 1 2014-01-01 2014-01-01 false Model privacy form and examples. 40.2 Section 40.2 Banks and Banking COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE TREASURY PRIVACY OF CONSUMER FINANCIAL INFORMATION § 40.2 Model privacy form and examples. (a) Model privacy form. Use of the model...

  1. 12 CFR 1016.2 - Model privacy form and examples.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... 12 Banks and Banking 8 2013-01-01 2013-01-01 false Model privacy form and examples. 1016.2 Section 1016.2 Banks and Banking BUREAU OF CONSUMER FINANCIAL PROTECTION PRIVACY OF CONSUMER FINANCIAL INFORMATION (REGULATION P) § 1016.2 Model privacy form and examples. (a) Model privacy form. Use of the model...

  2. 12 CFR 40.2 - Model privacy form and examples.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... 12 Banks and Banking 1 2013-01-01 2013-01-01 false Model privacy form and examples. 40.2 Section 40.2 Banks and Banking COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE TREASURY PRIVACY OF CONSUMER FINANCIAL INFORMATION § 40.2 Model privacy form and examples. (a) Model privacy form. Use of the model...

  3. 12 CFR 1016.2 - Model privacy form and examples.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... 12 Banks and Banking 8 2014-01-01 2014-01-01 false Model privacy form and examples. 1016.2 Section 1016.2 Banks and Banking BUREAU OF CONSUMER FINANCIAL PROTECTION PRIVACY OF CONSUMER FINANCIAL INFORMATION (REGULATION P) § 1016.2 Model privacy form and examples. (a) Model privacy form. Use of the model...

  4. 12 CFR 573.2 - Model privacy form and examples.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... 12 Banks and Banking 6 2012-01-01 2012-01-01 false Model privacy form and examples. 573.2 Section 573.2 Banks and Banking OFFICE OF THRIFT SUPERVISION, DEPARTMENT OF THE TREASURY PRIVACY OF CONSUMER FINANCIAL INFORMATION § 573.2 Model privacy form and examples. (a) Model privacy form. Use of the model...

  5. 12 CFR 573.2 - Model privacy form and examples.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... 12 Banks and Banking 6 2013-01-01 2012-01-01 true Model privacy form and examples. 573.2 Section 573.2 Banks and Banking OFFICE OF THRIFT SUPERVISION, DEPARTMENT OF THE TREASURY PRIVACY OF CONSUMER FINANCIAL INFORMATION § 573.2 Model privacy form and examples. (a) Model privacy form. Use of the model...

  6. 12 CFR 1016.2 - Model privacy form and examples.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... 12 Banks and Banking 8 2012-01-01 2012-01-01 false Model privacy form and examples. 1016.2 Section 1016.2 Banks and Banking BUREAU OF CONSUMER FINANCIAL PROTECTION PRIVACY OF CONSUMER FINANCIAL INFORMATION (REGULATION P) § 1016.2 Model privacy form and examples. (a) Model privacy form. Use of the model...

  7. 12 CFR 40.2 - Model privacy form and examples.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... 12 Banks and Banking 1 2012-01-01 2012-01-01 false Model privacy form and examples. 40.2 Section 40.2 Banks and Banking COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE TREASURY PRIVACY OF CONSUMER FINANCIAL INFORMATION § 40.2 Model privacy form and examples. (a) Model privacy form. Use of the model...

  8. 12 CFR 40.2 - Model privacy form and examples.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 12 Banks and Banking 1 2010-01-01 2010-01-01 false Model privacy form and examples. 40.2 Section 40.2 Banks and Banking COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE TREASURY PRIVACY OF CONSUMER FINANCIAL INFORMATION § 40.2 Model privacy form and examples. (a) Model privacy form. Use of the model...

  9. 12 CFR 573.2 - Model privacy form and examples.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Model privacy form and examples. 573.2 Section 573.2 Banks and Banking OFFICE OF THRIFT SUPERVISION, DEPARTMENT OF THE TREASURY PRIVACY OF CONSUMER FINANCIAL INFORMATION § 573.2 Model privacy form and examples. (a) Model privacy form. Use of the model...

  10. A Battery Powered, 200-KW Rapid Capacitor Charger for a Portable Railgun in Burst Mode Operation At 3 RPS

    DTIC Science & Technology

    2007-06-01

    A BATTERY POWERED, 200-KW RAPID CAPACITOR CHARGER FOR A PORTABLE RAILGUN IN BURST MODE OPERATION AT 3 RPS ∗ Raymond Allen and Jesse Neri Plasma... capacitor bank of a low velocity railgun system for countermeasure deployment from aircraft and watercraft. The goal is charge a 15-mF capacitor bank to...In order for this railgun to fire in a burst mode at 3 RPS, a rapid capacitor charger is required. The initial specifications required the rapid

  11. Riverbank erosion induced by gravel bar accretion

    NASA Astrophysics Data System (ADS)

    Klösch, Mario; Habersack, Helmut

    2010-05-01

    Riverbank erosion is known to be strongly fluvially controlled and determination of shear stresses at the bank surface and at the bank toe is a crucial point in bank erosion modeling. In many modeling attempts hydraulics are simulated separately in a hydrodynamic-numerical model and the simulated shear stresses are further applied onto the bank surface in a bank erosion model. Hydrodynamics are usually simulated at a constant geometry. However, in some cases bed geometry may vary strongly during the event, changing the conditions for hydrodynamics along the bank. This research seeks to investigate the effect of gravel bar accretion during high discharges on final bank retreat. At a restored section of the Drava River bed widenings have been implemented to counter bed degradation. There, in an initiated side-arm, self-dynamic widening strongly affects bed development and long-term connectivity to the main channel. Understanding the riverbank erosion processes there would help to improve planning of future restoration measures. At one riverbank section in the side-arm large bank retreat was measured repeatedly after several flow events. This section is situated between two groins with a distance of 60 m, which act as lateral boundaries to the self-widening channel. In front of this bank section a gravel bar developed. During low flow condition most discharge of the side-arm flows beside the gravel bar along the bank, but shear stresses are too low for triggering bank erosion. For higher discharges results from a two-dimensional hydrodynamic-numerical model suggested shear stresses there to be generally low during the entire events. At some discharges the modeled flow velocities even showed to be recirculating along the bank. These results didn't explain the observed bank retreat. Based on the modeled shear stresses, bank erosion models would have greatly underestimated the bank retreat induced by the investigated events. Repeated surveys after events applying terrestrial photogrammetry, continuous observation of the bank section with a time-lapse camera and continuous measurement of soil hydrological variables showed that around the flow peaks steeper banks collapsed, when matric suction and hence soil shear strength decreased below critical values. But much larger bank erosion with continuous transport of failed blocks from the bank toe was observed to occur during the falling limbs of the hydrographs, when discharge went back to mean flow condition. The flow velocities along the bank then were much larger than at the same discharges during the rising limbs of the hydrographs. Surveys of the riverbed demonstrated a temporary decreased cross section for the flow along the bank because of aggradation and resulting gravel bar accretion during the event. The decreased cross section led to the high flow velocities and shear stresses observed at the end of the events. After every bar accretion, the cross section was re-established by bed degradation along the bank and by massive bank erosion. Monitoring results of the gravel bar accretion and bank retreat are presented. Shear stresses modeled at a constant geometry are compared to the shear stresses modeled when bar accretion was considered. The results highlight the importance of non-equilibrium sediment transport processes during flood events for bank erosion and the need for its consideration in bank erosion modeling. Demonstrated here at a riverbank between groins, bar accretion may play a general role at gravel-bed rivers for bank erosion, particularly near lateral constraints.

  12. Arginine side chain interactions and the role of arginine as a gating charge carrier in voltage sensitive ion channels

    PubMed Central

    Armstrong, Craig T.; Mason, Philip E.; Anderson, J. L. Ross; Dempsey, Christopher E.

    2016-01-01

    Gating charges in voltage-sensing domains (VSD) of voltage-sensitive ion channels and enzymes are carried on arginine side chains rather than lysine. This arginine preference may result from the unique hydration properties of the side chain guanidinium group which facilitates its movement through a hydrophobic plug that seals the center of the VSD, as suggested by molecular dynamics simulations. To test for side chain interactions implicit in this model we inspected interactions of the side chains of arginine and lysine with each of the 19 non-glycine amino acids in proteins in the protein data bank. The arginine guanidinium interacts with non-polar aromatic and aliphatic side chains above and below the guanidinium plane while hydrogen bonding with polar side chains is restricted to in-plane positions. In contrast, non-polar side chains interact largely with the aliphatic part of the lysine side chain. The hydration properties of arginine and lysine are strongly reflected in their respective interactions with non-polar and polar side chains as observed in protein structures and in molecular dynamics simulations, and likely underlie the preference for arginine as a mobile charge carrier in VSD. PMID:26899474

  13. Arginine side chain interactions and the role of arginine as a gating charge carrier in voltage sensitive ion channels

    NASA Astrophysics Data System (ADS)

    Armstrong, Craig T.; Mason, Philip E.; Anderson, J. L. Ross; Dempsey, Christopher E.

    2016-02-01

    Gating charges in voltage-sensing domains (VSD) of voltage-sensitive ion channels and enzymes are carried on arginine side chains rather than lysine. This arginine preference may result from the unique hydration properties of the side chain guanidinium group which facilitates its movement through a hydrophobic plug that seals the center of the VSD, as suggested by molecular dynamics simulations. To test for side chain interactions implicit in this model we inspected interactions of the side chains of arginine and lysine with each of the 19 non-glycine amino acids in proteins in the protein data bank. The arginine guanidinium interacts with non-polar aromatic and aliphatic side chains above and below the guanidinium plane while hydrogen bonding with polar side chains is restricted to in-plane positions. In contrast, non-polar side chains interact largely with the aliphatic part of the lysine side chain. The hydration properties of arginine and lysine are strongly reflected in their respective interactions with non-polar and polar side chains as observed in protein structures and in molecular dynamics simulations, and likely underlie the preference for arginine as a mobile charge carrier in VSD.

  14. 12 CFR Appendix A to Part 213 - Model Forms

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 12 Banks and Banking 2 2010-01-01 2010-01-01 false Model Forms A Appendix A to Part 213 Banks and Banking FEDERAL RESERVE SYSTEM BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM CONSUMER LEASING (REGULATION M) Pt. 213, App. A Appendix A to Part 213—Model Forms A-1Model Open-End or Finance Vehicle Lease...

  15. 12 CFR Appendix A to Part 213 - Model Forms

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 12 Banks and Banking 2 2011-01-01 2011-01-01 false Model Forms A Appendix A to Part 213 Banks and Banking FEDERAL RESERVE SYSTEM BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM CONSUMER LEASING (REGULATION M) Pt. 213, App. A Appendix A to Part 213—Model Forms A-1Model Open-End or Finance Vehicle Lease...

  16. Automated Coal-Mine Shuttle Car

    NASA Technical Reports Server (NTRS)

    Collins, E. R., Jr.

    1984-01-01

    Cable-guided car increases efficiency in underground coal mines. Unmanned vehicle contains storage batteries in side panels for driving traction motors located in wheels. Batteries recharged during inactive periods or slid out as unit and replaced by fresh battery bank. Onboard generator charges batteries as car operates.

  17. Performance of laminar-flow leading-edge test articles in cloud encounters

    NASA Technical Reports Server (NTRS)

    Davis, Richard E.; Maddalon, Dal V.; Wagner, Richard D.

    1987-01-01

    An extensive data bank of concurrent measurements of laminar flow (LF), particle concentration, and aircraft charging state was gathered for the first time. From this data bank, 13 flights in the simulated airline service (SAS) portion were analyzed to date. A total of 6.86 hours of data at one-second resolution were analyzed. An extensive statistical analysis, for both leading-edge test articles, shows that there is a significant effect of cloud and haze particles on the extent of laminar flow obtained. Approximately 93 percent of data points simulating LFC flight were obtained in clear air conditions; approximately 7 percent were obtained in cloud and haze. These percentages are consistent with earlier USAF and NASA estimates and results. The Hall laminar flow loss criteria was verified qualitatively. Larger particles and higher particle concentrations have a more marked effect on LF than do small particles. A particle spectrometer of a charging patch are both acceptable as diagnostic indicators of the presence of particles detrimental to laminar flow.

  18. The Iranian Human Mutation Gene Bank: a data and sample resource for worldwide collaborative genetics research.

    PubMed

    Najmabadi, Hossein; Neishabury, Maryam; Sahebjam, Farhad; Kahrizi, Kimia; Shafaghati, Yousef; Nikzat, Nushin; Jalalvand, Maryam; Aminy, Farahnaz; Hashemi, Susan Bany; Moghimi, Babak; Noorian, Ali Reza; Jannati, Ali; Mohammadi, Mehrdad; Javan, Khalil

    2003-02-01

    As Human Genome Project exploration continues, the necessity of having a broader spectrum of genomic DNA material from different nationalities to study various aspects of hereditary disease becomes more obvious. The existence of high genetic polymorphism within and between different communities in the world makes it necessary for the gene hunters to investigate many different populations. Iran, a large country with close to 66 million people, is a land of different nationalities, tribes, and religions that offers a highly heterogeneous gene pool to the genetics researcher. The purity of many different races in this country has been highly conserved by geographical borders and by an ancient culture that has always encouraged intrafamilial marriages. All these have created a population that is remarkably heterogeneous yet high in consanguinity rate. During the last five years of investigation we have established a DNA bank, the Iranian Human Mutation Gene Bank (www.IHMGB.com), which contains all genetic diseases studied in Iran that have the Mendelian mode of inheritance. Some of the samples are assigned to common or novel mutations and others belong to patients with clinical profiles associated with particular genetic diseases but undefined mutation. This bank stores samples of DNA from the patient and his/her first-degree relatives together with a comprehensive pedigree and clinical profile for each sample. To facilitate collaboration with other scientists around the world with the same interests, we decided to present our experimental projects online. This DNA bank provides opportunities for us to collaborate with scientists outside Iran. It offers a sample resource to research scientists around the world, at no charge, for the purpose of investigating the various aspects of genetic disorders from prenatal diagnosis to gene structure and function. It is strongly stressed that no commercial benefit is involved in the establishment of this DNA bank and the DNA samples are free of charge. However, to meet our goals and to respect ethical values, DNA samples can only be used under certain conditions stated in the User Consent Form. Copyright 2003 Wiley-Liss, Inc.

  19. Family cord blood banking for sickle cell disease: a twenty-year experience in two dedicated public cord blood banks

    PubMed Central

    Rafii, Hanadi; Bernaudin, Françoise; Rouard, Helene; Vanneaux, Valérie; Ruggeri, Annalisa; Cavazzana, Marina; Gauthereau, Valerie; Stanislas, Aurélie; Benkerrou, Malika; De Montalembert, Mariane; Ferry, Christele; Girot, Robert; Arnaud, Cecile; Kamdem, Annie; Gour, Joelle; Touboul, Claudine; Cras, Audrey; Kuentz, Mathieu; Rieux, Claire; Volt, Fernanda; Cappelli, Barbara; Maio, Karina T.; Paviglianiti, Annalisa; Kenzey, Chantal; Larghero, Jerome; Gluckman, Eliane

    2017-01-01

    Efforts to implement family cord blood banking have been developed in the past decades for siblings requiring stem cell transplantation for conditions such as sickle cell disease. However, public banks are faced with challenging decisions about the units to be stored, discarded, or used for other endeavors. We report here 20 years of experience in family cord blood banking for sickle cell disease in two dedicated public banks. Participants were pregnant women who had a previous child diagnosed with homozygous sickle cell disease. Participation was voluntary and free of charge. All mothers underwent mandatory serological screening. Cord blood units were collected in different hospitals, but processed and stored in two public banks. A total of 338 units were stored for 302 families. Median recipient age was six years (11 months-15 years). Median collected volume and total nucleated cell count were 91 mL (range 23–230) and 8.6×108 (range 0.7–75×108), respectively. Microbial contamination was observed in 3.5% (n=12), positive hepatitis B serology in 25% (n=84), and homozygous sickle cell disease in 11% (n=37) of the collections. Forty-four units were HLA-identical to the intended recipient, and 28 units were released for transplantation either alone (n=23) or in combination with the bone marrow from the same donor (n=5), reflecting a utilization rate of 8%. Engraftment rate was 96% with 100% survival. Family cord blood banking yields good quality units for sibling transplantation. More comprehensive banking based on close collaboration among banks, clinical and transplant teams is recommended to optimize the use of these units. PMID:28302713

  20. Family cord blood banking for sickle cell disease: a twenty-year experience in two dedicated public cord blood banks.

    PubMed

    Rafii, Hanadi; Bernaudin, Françoise; Rouard, Helene; Vanneaux, Valérie; Ruggeri, Annalisa; Cavazzana, Marina; Gauthereau, Valerie; Stanislas, Aurélie; Benkerrou, Malika; De Montalembert, Mariane; Ferry, Christele; Girot, Robert; Arnaud, Cecile; Kamdem, Annie; Gour, Joelle; Touboul, Claudine; Cras, Audrey; Kuentz, Mathieu; Rieux, Claire; Volt, Fernanda; Cappelli, Barbara; Maio, Karina T; Paviglianiti, Annalisa; Kenzey, Chantal; Larghero, Jerome; Gluckman, Eliane

    2017-06-01

    Efforts to implement family cord blood banking have been developed in the past decades for siblings requiring stem cell transplantation for conditions such as sickle cell disease. However, public banks are faced with challenging decisions about the units to be stored, discarded, or used for other endeavors. We report here 20 years of experience in family cord blood banking for sickle cell disease in two dedicated public banks. Participants were pregnant women who had a previous child diagnosed with homozygous sickle cell disease. Participation was voluntary and free of charge. All mothers underwent mandatory serological screening. Cord blood units were collected in different hospitals, but processed and stored in two public banks. A total of 338 units were stored for 302 families. Median recipient age was six years (11 months-15 years). Median collected volume and total nucleated cell count were 91 mL (range 23-230) and 8.6×10 8 (range 0.7-75×10 8 ), respectively. Microbial contamination was observed in 3.5% (n=12), positive hepatitis B serology in 25% (n=84), and homozygous sickle cell disease in 11% (n=37) of the collections. Forty-four units were HLA-identical to the intended recipient, and 28 units were released for transplantation either alone (n=23) or in combination with the bone marrow from the same donor (n=5), reflecting a utilization rate of 8%. Engraftment rate was 96% with 100% survival. Family cord blood banking yields good quality units for sibling transplantation. More comprehensive banking based on close collaboration among banks, clinical and transplant teams is recommended to optimize the use of these units. Copyright© Ferrata Storti Foundation.

  1. 12 CFR Appendix Ms - 4-Model Clauses for the Written Early Intervention Notice

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... 12 Banks and Banking 8 2014-01-01 2014-01-01 false 4-Model Clauses for the Written Early Intervention Notice MS Appendix MS Banks and Banking BUREAU OF CONSUMER FINANCIAL PROTECTION REAL ESTATE...-4 Appendix MS-4—Model Clauses for the Written Early Intervention Notice MS-4(A)—Statement...

  2. 12 CFR 611.1125 - Treatment of associations not approving districtwide mergers.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... in a districtwide merger or consolidation: (1) Discriminate in the provision of any financial service... provision of any related services that are offered by the district bank to associations and their member... to, charging different rates of interest or different prices for services, or declining to provide...

  3. 12 CFR 28.52 - Allocated transfer risk reserve.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... of the asset. (B) The initial year's provision for the ATRR shall be 10 percent of the principal... percent of the principal amount of each specified international asset, or such greater or lesser.... (c) Accounting treatment of ATRR—(1) Charge to current income. A banking institution shall establish...

  4. Emitron: microwave diode

    DOEpatents

    Craig, G.D.; Pettibone, J.S.; Drobot, A.T.

    1982-05-06

    The invention comprises a new class of device, driven by electron or other charged particle flow, for producing coherent microwaves by utilizing the interaction of electromagnetic waves with electron flow in diodes not requiring an external magnetic field. Anode and cathode surfaces are electrically charged with respect to one another by electron flow, for example caused by a Marx bank voltage source or by other charged particle flow, for example by a high energy charged particle beam. This produces an electric field which stimulates an emitted electron beam to flow in the anode-cathode region. The emitted electrons are accelerated by the electric field and coherent microwaves are produced by the three dimensional spatial and temporal interaction of the accelerated electrons with geometrically allowed microwave modes which results in the bunching of the electrons and the pumping of at least one dominant microwave mode.

  5. Banking Structure and Monetary Policy: New Wine in Old Bottles.

    ERIC Educational Resources Information Center

    Hacche, John

    1989-01-01

    Provides an extension of the basic banking model used in introductory economics courses. This expanded model introduces the concept of banking capital and reserves, and includes the relationship existing between current issues and banking structure and money supply growth. Provides worksheet exercises and answers. (LS)

  6. Optimal Dispatch of Unreliable Electric Grid-Connected Diesel Generator-Battery Power Systems

    NASA Astrophysics Data System (ADS)

    Xu, D.; Kang, L.

    2015-06-01

    Diesel generator (DG)-battery power systems are often adopted by telecom operators, especially in semi-urban and rural areas of developing countries. Unreliable electric grids (UEG), which have frequent and lengthy outages, are peculiar to these regions. DG-UEG-battery power system is an important kind of hybrid power system. System dispatch is one of the key factors to hybrid power system integration. In this paper, the system dispatch of a DG-UEG-lead acid battery power system is studied with the UEG of relatively ample electricity in Central African Republic (CAR) and UEG of poor electricity in Congo Republic (CR). The mathematical models of the power system and the UEG are studied for completing the system operation simulation program. The net present cost (NPC) of the power system is the main evaluation index. The state of charge (SOC) set points and battery bank charging current are the optimization variables. For the UEG in CAR, the optimal dispatch solution is SOC start and stop points 0.4 and 0.5 that belong to the Micro-Cycling strategy and charging current 0.1 C. For the UEG in CR, the optimal dispatch solution is of 0.1 and 0.8 that belongs to the Cycle-Charging strategy and 0.1 C. Charging current 0.1 C is suitable for both grid scenarios compared to 0.2 C. It makes the dispatch strategy design easier in commercial practices that there are a few very good candidate dispatch solutions with system NPC values close to that of the optimal solution for both UEG scenarios in CAR and CR.

  7. Are hybrid umbilical cord blood banks really the best of both worlds?

    PubMed

    Guilcher, Gregory M T; Fernandez, Conrad V; Joffe, Steven

    2015-03-01

    Since the first use of umbilical cord blood (UCB) as a medical therapy, the number of UCB banks worldwide has grown. Public UCB banks offer the option of altruistic donation, whereas private banks allow a product to be stored for the exclusive use of the paying client. With many more UCB products banked privately than publicly in countries such as the USA, hybrid models blending aspects of public and private banking have been proposed. One such bank is in operation in the UK. In this paper we review the hybrid UCB model and conclude that it offers limited benefit to the general public. Furthermore, compared with private banking, this model provides few advantages and potential disadvantages to private clients. Published by the BMJ Publishing Group Limited. For permission to use (where not already granted under a licence) please go to http://group.bmj.com/group/rights-licensing/permissions.

  8. High acceptance rate of hybrid allogeneic-autologous umbilical cord blood banking among actual and potential Swiss donors.

    PubMed

    Wagner, Anna-Margaretha; Krenger, Werner; Suter, Eva; Ben Hassem, Dorra; Surbek, Daniel V

    2013-07-01

    Two competitive concepts of umbilical cord blood (UCB) banking are currently available: either allogeneic UCB is donated to a public bank or autologous cells are stored in a private bank. Allogeneic-autologous hybrid banking is a new concept that combines these two approaches. However, acceptance of hybrid UCB banking among potential donors is unknown to date. In a prospective survey, we aimed to establish the acceptance of the hybrid banking model among actual and potential UCB donors in Switzerland. The study groups consisted of parents and pregnant women with or without children. As control group, women at reproductive ages were investigated. The majority of participants agreed fundamentally with UCB donation, and overall acceptance of private banking was 47%. If a possibility for hybrid banking were to be made available, 49% would opt for such a public-private model and only 13% would choose private banking alone. Among the proponents of hybrid banking, a majority of participants chose donor cell splitting over the sequential banking mode. Fifty-six percent of responders wished prior notification before the release of their donated UCB to a foreign recipient. This is the first study which compared the acceptance of allogeneic, autologous, and hybrid allogeneic-autologous UCB banking in different target groups. We demonstrated that hybrid cord blood banking is the preferred model of banking among actual and potential UCB donors. With increasing demand for UCB in the future, health care providers should therefore consider offering hybrid banking as a viable storage option. © 2012 American Association of Blood Banks.

  9. 12 CFR >appendix A to Part 239 - Mutual Holding Company Model Charter

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... 12 Banks and Banking 4 2013-01-01 2013-01-01 false Mutual Holding Company Model Charter A >Appendix A to Part 239 Banks and Banking FEDERAL RESERVE SYSTEM (CONTINUED) BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED) MUTUAL HOLDING COMPANIES (REGULATION MM) Pt. 239, App. A >Appendix A to...

  10. Well-Posedness Results for a Class of Toxicokinetic Models

    DTIC Science & Technology

    2001-07-24

    estimation. The main result that we establish here regarding well-posedness of solutions is based on ideas presented in [5] and [1]. Banks and Musante [5...necessary regularity required for the model to t into the second class of abstract problems discussed by Banks and Musante . Transport models for other...upon the results of Banks and Musante by achieving well-posedness for a more general class of abstract nonlinear parabolic equations. Ackleh, Banks and

  11. 12 CFR Appendix C to Part 229 - Model Availability Policy Disclosures, Clauses, and Notices; Model Substitute Check Policy...

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 12 Banks and Banking 3 2010-01-01 2010-01-01 false Model Availability Policy Disclosures, Clauses, and Notices; Model Substitute Check Policy Disclosure and Notices C Appendix C to Part 229 Banks and... OF FUNDS AND COLLECTION OF CHECKS (REGULATION CC) Pt. 229, App. C Appendix C to Part 229—Model...

  12. Getting Your Dollar's Worth.

    ERIC Educational Resources Information Center

    Shackell, Wallace K., Jr.

    Designed as a secondary level consumer education text dealing with how to use your money wisely, this booklet makes use of stories, skits, and cartoon drawings to dramatize the everyday life of a consumer. It tells how to buy cars, how to use credit (charge accounts, credit cards, life insurance, credit unions, passbook savings, commercial banks,…

  13. Self-Service Charge Systems: Current Technological Applications and Their Implications for the Future Library.

    ERIC Educational Resources Information Center

    Mardikian, Jackie

    1995-01-01

    Discusses a possible shift to self-service check-out systems for academic library patrons. Provides an annotated bibliography of 51 items that discuss the impact of self-service technology on the quality of service and customer satisfaction in libraries, service sectors, banking, and the vending industry. (LRW)

  14. The Effectiveness of Commercial Internet Web Sites: A User's Perspective.

    ERIC Educational Resources Information Center

    Bell, Hudson; Tang, Nelson K. H.

    1998-01-01

    A user survey of 60 company Web sites (electronic commerce, entertainment and leisure, financial and banking services, information services, retailing and travel, and tourism) determined that 30% had facilities for conducting online transactions and only 7% charged for site access. Overall, Web sites were rated high in ease of access, content, and…

  15. 12 CFR Appendix B to Part 364 - Interagency Guidelines Establishing Information Security Standards

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... charge of the branch or agency. b. Consumer information means any record about an individual, whether in... personally identify an individual. i. Examples: (1) Consumer information includes: (A) A consumer report that...) information from a consumer report that the bank obtains about an individual who applies for but does not...

  16. 12 CFR Appendix B to Part 364 - Interagency Guidelines Establishing Information Security Standards

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... charge of the branch or agency. b. Consumer information means any record about an individual, whether in... personally identify an individual. i. Examples: (1) Consumer information includes: (A) A consumer report that...) information from a consumer report that the bank obtains about an individual who applies for but does not...

  17. 12 CFR Appendix B to Part 364 - Interagency Guidelines Establishing Information Security Standards

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... charge of the branch or agency. b. Consumer information means any record about an individual, whether in... personally identify an individual. i. Examples: (1) Consumer information includes: (A) A consumer report that...) information from a consumer report that the bank obtains about an individual who applies for but does not...

  18. Like-Charge Guanidinium Pairing between Ligand and Receptor: An Unusual Interaction for Drug Discovery and Design?

    PubMed

    Yang, Yang; Xu, Zhijian; Zhang, Zhengyan; Yang, Zhuo; Liu, Yingtao; Wang, Jinan; Cai, Tingting; Li, Shujin; Chen, Kaixian; Shi, Jiye; Zhu, Weiliang

    2015-09-10

    A database survey in this study revealed for the first time that there are 227 counterintuitive like-charge guanidinium pairings (Gdm(+)-Arg pairings) between ligands and receptors in the Protein Data Bank, implying the potential guanidinium-arginine binding between guanidine-containing drugs and their target proteins. Furthermore, there are 145 guanidine-containing molecules in the DrugBank, showing the prevalence of guanidinium groups in drugs. It has also been reported that the introduction of a guanidinium group forming Gdm(+)-Arg pairing improved the potency of the drug by more than 8-fold in a typical case. On the basis of the survey, six ligand-protein complexes with typical Gdm(+)-Arg pairings were chosen for QM/MM calculations. The calculations at the B97-D/6-311++g(d,p) level revealed that the interaction could be as strong as -1.0 to -2.5 kcal/mol in DMSO and water, comparable to common intermolecular interactions. The calculations also unveiled that the Gdm(+)-Arg pairing interactions change from repulsive to attractive with the increase of dielectric constant, suggesting that the dielectric constant has a general stabilization effect on the Gdm(+)-Arg pairing. This study suggested that the like-charge guanidinium pairing interaction could be used not only for tuning the physical and chemical properties of drug leads but also for improving ligand binding affinity.

  19. 12 CFR Appendix D to Part 239 - Subsidiary Holding Company of a Mutual Holding Company Model Bylaws

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... 12 Banks and Banking 4 2013-01-01 2013-01-01 false Subsidiary Holding Company of a Mutual Holding Company Model Bylaws D Appendix D to Part 239 Banks and Banking FEDERAL RESERVE SYSTEM (CONTINUED) BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED) MUTUAL HOLDING COMPANIES (REGULATION MM) Pt...

  20. 12 CFR Appendix C to Part 239 - Mutual Holding Company Model Bylaws

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... 12 Banks and Banking 4 2013-01-01 2013-01-01 false Mutual Holding Company Model Bylaws C Appendix C to Part 239 Banks and Banking FEDERAL RESERVE SYSTEM (CONTINUED) BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED) MUTUAL HOLDING COMPANIES (REGULATION MM) Pt. 239, App. C Appendix C to Part 239...

  1. 12 CFR Appendix C to Part 239 - Mutual Holding Company Model Bylaws

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... 12 Banks and Banking 4 2012-01-01 2012-01-01 false Mutual Holding Company Model Bylaws C Appendix C to Part 239 Banks and Banking FEDERAL RESERVE SYSTEM (CONTINUED) BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED) MUTUAL HOLDING COMPANIES (REGULATION MM) Pt. 239, App. C Appendix C to Part 239...

  2. 12 CFR Appendix B to Part 239 - Subsidiary Holding Company of a Mutual Holding Company Model Charter

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... 12 Banks and Banking 4 2012-01-01 2012-01-01 false Subsidiary Holding Company of a Mutual Holding Company Model Charter B Appendix B to Part 239 Banks and Banking FEDERAL RESERVE SYSTEM (CONTINUED) BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED) MUTUAL HOLDING COMPANIES (REGULATION MM) Pt...

  3. 12 CFR Appendix B to Part 239 - Subsidiary Holding Company of a Mutual Holding Company Model Charter

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... 12 Banks and Banking 4 2014-01-01 2014-01-01 false Subsidiary Holding Company of a Mutual Holding Company Model Charter B Appendix B to Part 239 Banks and Banking FEDERAL RESERVE SYSTEM (CONTINUED) BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED) MUTUAL HOLDING COMPANIES (REGULATION MM) Pt...

  4. 12 CFR Appendix A to Part 239 - Mutual Holding Company Model Charter

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... 12 Banks and Banking 4 2012-01-01 2012-01-01 false Mutual Holding Company Model Charter A Appendix A to Part 239 Banks and Banking FEDERAL RESERVE SYSTEM (CONTINUED) BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED) MUTUAL HOLDING COMPANIES (REGULATION MM) Pt. 239, App. A Appendix A to Part 239...

  5. 12 CFR Appendix C to Part 239 - Mutual Holding Company Model Bylaws

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... 12 Banks and Banking 4 2014-01-01 2014-01-01 false Mutual Holding Company Model Bylaws C Appendix C to Part 239 Banks and Banking FEDERAL RESERVE SYSTEM (CONTINUED) BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED) MUTUAL HOLDING COMPANIES (REGULATION MM) Pt. 239, App. C Appendix C to Part 239...

  6. 12 CFR Appendix D to Part 239 - Subsidiary Holding Company of a Mutual Holding Company Model Bylaws

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... 12 Banks and Banking 4 2012-01-01 2012-01-01 false Subsidiary Holding Company of a Mutual Holding Company Model Bylaws D Appendix D to Part 239 Banks and Banking FEDERAL RESERVE SYSTEM (CONTINUED) BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED) MUTUAL HOLDING COMPANIES (REGULATION MM) Pt...

  7. 12 CFR Appendix A to Part 239 - Mutual Holding Company Model Charter

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... 12 Banks and Banking 4 2014-01-01 2014-01-01 false Mutual Holding Company Model Charter A Appendix A to Part 239 Banks and Banking FEDERAL RESERVE SYSTEM (CONTINUED) BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED) MUTUAL HOLDING COMPANIES (REGULATION MM) Pt. 239, App. A Appendix A to Part 239...

  8. 12 CFR Appendix B to Part 239 - Subsidiary Holding Company of a Mutual Holding Company Model Charter

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... 12 Banks and Banking 4 2013-01-01 2013-01-01 false Subsidiary Holding Company of a Mutual Holding Company Model Charter B Appendix B to Part 239 Banks and Banking FEDERAL RESERVE SYSTEM (CONTINUED) BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED) MUTUAL HOLDING COMPANIES (REGULATION MM) Pt...

  9. 12 CFR Appendix D to Part 239 - Subsidiary Holding Company of a Mutual Holding Company Model Bylaws

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... 12 Banks and Banking 4 2014-01-01 2014-01-01 false Subsidiary Holding Company of a Mutual Holding Company Model Bylaws D Appendix D to Part 239 Banks and Banking FEDERAL RESERVE SYSTEM (CONTINUED) BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED) MUTUAL HOLDING COMPANIES (REGULATION MM) Pt...

  10. [Costs of Chagas' disease screening test in blood donors in two Colombian blood banks, 2015].

    PubMed

    Alvis, Nelson José; Díaz, Diana Patricia; Castillo, Liliana; Alvis, Nelson Rafael; Bermúdez, María Isabel; Berrío, Olga Maritza; Beltrán, Mauricio; Castañeda-Orjuela, Carlos Andrés

    2018-03-15

    Transfusion is a mechanism of transmission of Chagas' disease. There are no studies on the costs of the screening test in Colombian blood banks. To estimate the costs of the screening test for Chagas' disease among blood donors in two Colombian blood banks, 2015. We conducted a micro-costing study from the perspective of the health care provider to estimate the cost of Chagas' disease testing in two blood banks, Banco de Sangre de la Cruz Roja, Seccional Bolívar, and Banco de Sangre del Hospital de Yopal, Casanare, taking into account four cost categories: 1) Administrative costs: public services and insurance costs were calculated based on the blood bank area in square meters; 2) capital costs: building and equipment costs that were annualized using a 3% discount rate and a lifespan of 20 years for building and five for equipment; 3) costs of Chagas' disease test materials and reagents adjusted by blood bank production level, and 4) costs of staff in charge of Chagas' disease test processing. The costs of transfusion bagsand immunohematology tests are also reported. The cost of Chagas' disease test in the blood bank of Seccional Bolívar was COP$ 37,804 (USD$ 12), and the blood bag and immunohematology test costs were COP$ 25,941 (USD$ 8.2) and COP$ 6,800 (USD$ 2.2), respectively. In the blood bank of Yopal, Casanare, the costs were COP$ 77,384 (USD$ 24.6), COP$ 30,141 (USD$ 9.6) and COP$ 12,627 (USD$ 4), respectively. Personnel cost accounted for the highest percentage of the total cost for both blood banks (47.5% in Seccional Bolívar, and 55.7% in Yopal, Casanare). Our results are an important input for the planning of services and cost-effectiveness studies for screening tests for Chagas' disease in Colombian blood banks.

  11. Ecological niche modelling of bank voles in Western Europe.

    PubMed

    Amirpour Haredasht, Sara; Barrios, Miguel; Farifteh, Jamshid; Maes, Piet; Clement, Jan; Verstraeten, Willem W; Tersago, Katrien; Van Ranst, Marc; Coppin, Pol; Berckmans, Daniel; Aerts, Jean-Marie

    2013-01-28

    The bank vole (Myodes glareolus) is the natural host of Puumala virus (PUUV) in vast areas of Europe. PUUV is one of the hantaviruses which are transmitted to humans by infected rodents. PUUV causes a general mild form of hemorrhagic fever with renal syndrome (HFRS) called nephropathia epidemica (NE). Vector-borne and zoonotic diseases generally display clear spatial patterns due to different space-dependent factors. Land cover influences disease transmission by controlling both the spatial distribution of vectors or hosts, as well as by facilitating the human contact with them. In this study the use of ecological niche modelling (ENM) for predicting the geographical distribution of bank vole population on the basis of spatial climate information is tested. The Genetic Algorithm for Rule-set Prediction (GARP) is used to model the ecological niche of bank voles in Western Europe. The meteorological data, land cover types and geo-referenced points representing the locations of the bank voles (latitude/longitude) in the study area are used as the primary model input value. The predictive accuracy of the bank vole ecologic niche model was significant (training accuracy of 86%). The output of the GARP models based on the 50% subsets of points used for testing the model showed an accuracy of 75%. Compared with random models, the probability of such high predictivity was low (χ(2) tests, p < 10(-6)). As such, the GARP models were predictive and the used ecologic niche model indeed indicates the ecologic requirements of bank voles. This approach successfully identified the areas of infection risk across the study area. The result suggests that the niche modelling approach can be implemented in a next step towards the development of new tools for monitoring the bank vole's population.

  12. Ecological Niche Modelling of Bank Voles in Western Europe

    PubMed Central

    Amirpour Haredasht, Sara; Barrios, Miguel; Farifteh, Jamshid; Maes, Piet; Clement, Jan; Verstraeten, Willem W.; Tersago, Katrien; Van Ranst, Marc; Coppin, Pol; Berckmans, Daniel; Aerts, Jean-Marie

    2013-01-01

    The bank vole (Myodes glareolus) is the natural host of Puumala virus (PUUV) in vast areas of Europe. PUUV is one of the hantaviruses which are transmitted to humans by infected rodents. PUUV causes a general mild form of hemorrhagic fever with renal syndrome (HFRS) called nephropathia epidemica (NE). Vector-borne and zoonotic diseases generally display clear spatial patterns due to different space-dependent factors. Land cover influences disease transmission by controlling both the spatial distribution of vectors or hosts, as well as by facilitating the human contact with them. In this study the use of ecological niche modelling (ENM) for predicting the geographical distribution of bank vole population on the basis of spatial climate information is tested. The Genetic Algorithm for Rule-set Prediction (GARP) is used to model the ecological niche of bank voles in Western Europe. The meteorological data, land cover types and geo-referenced points representing the locations of the bank voles (latitude/longitude) in the study area are used as the primary model input value. The predictive accuracy of the bank vole ecologic niche model was significant (training accuracy of 86%). The output of the GARP models based on the 50% subsets of points used for testing the model showed an accuracy of 75%. Compared with random models, the probability of such high predictivity was low (χ2 tests, p < 10−6). As such, the GARP models were predictive and the used ecologic niche model indeed indicates the ecologic requirements of bank voles. This approach successfully identified the areas of infection risk across the study area. The result suggests that the niche modelling approach can be implemented in a next step towards the development of new tools for monitoring the bank vole’s population. PMID:23358234

  13. Modelling river bank erosion processes and mass failure mechanisms using 2-D depth averaged numerical model

    NASA Astrophysics Data System (ADS)

    Die Moran, Andres; El kadi Abderrezzak, Kamal; Tassi, Pablo; Herouvet, Jean-Michel

    2014-05-01

    Bank erosion is a key process that may cause a large number of economic and environmental problems (e.g. land loss, damage to structures and aquatic habitat). Stream bank erosion (toe erosion and mass failure) represents an important form of channel morphology changes and a significant source of sediment. With the advances made in computational techniques, two-dimensional (2-D) numerical models have become valuable tools for investigating flow and sediment transport in open channels at large temporal and spatial scales. However, the implementation of mass failure process in 2D numerical models is still a challenging task. In this paper, a simple, innovative algorithm is implemented in the Telemac-Mascaret modeling platform to handle bank failure: failure occurs whether the actual slope of one given bed element is higher than the internal friction angle. The unstable bed elements are rotated around an appropriate axis, ensuring mass conservation. Mass failure of a bank due to slope instability is applied at the end of each sediment transport evolution iteration, once the bed evolution due to bed load (and/or suspended load) has been computed, but before the global sediment mass balance is verified. This bank failure algorithm is successfully tested using two laboratory experimental cases. Then, bank failure in a 1:40 scale physical model of the Rhine River composed of non-uniform material is simulated. The main features of the bank erosion and failure are correctly reproduced in the numerical simulations, namely the mass wasting at the bank toe, followed by failure at the bank head, and subsequent transport of the mobilised material in an aggradation front. Volumes of eroded material obtained are of the same order of magnitude as the volumes measured during the laboratory tests.

  14. Global asymptotic stability of plant-seed bank models.

    PubMed

    Eager, Eric Alan; Rebarber, Richard; Tenhumberg, Brigitte

    2014-07-01

    Many plant populations have persistent seed banks, which consist of viable seeds that remain dormant in the soil for many years. Seed banks are important for plant population dynamics because they buffer against environmental perturbations and reduce the probability of extinction. Viability of the seeds in the seed bank can depend on the seed's age, hence it is important to keep track of the age distribution of seeds in the seed bank. In this paper we construct a general density-dependent plant-seed bank model where the seed bank is age-structured. We consider density dependence in both seedling establishment and seed production, since previous work has highlighted that overcrowding can suppress both of these processes. Under certain assumptions on the density dependence, we prove that there is a globally stable equilibrium population vector which is independent of the initial state. We derive an analytical formula for the equilibrium population using methods from feedback control theory. We apply these results to a model for the plant species Cirsium palustre and its seed bank.

  15. Numerical Estimation of the Outer Bank Resistance Characteristics in AN Evolving Meandering River

    NASA Astrophysics Data System (ADS)

    Wang, D.; Konsoer, K. M.; Rhoads, B. L.; Garcia, M. H.; Best, J.

    2017-12-01

    Few studies have examined the three-dimensional flow structure and its interaction with bed morphology within elongate loops of large meandering rivers. The present study uses a numerical model to simulate the flow pattern and sediment transport, especially the flow close to the outer-bank, at two elongate meandering loops in Wabash River, USA. The numerical grid for the model is based on a combination of airborne LIDAR data on floodplains and the multibeam data within the river channel. A Finite Element Method (FEM) is used to solve the non-hydrostatic RANS equation using a K-epsilon turbulence closure scheme. High-resolution topographic data allows detailed numerical simulation of flow patterns along the outer bank and model calibration involves comparing simulated velocities to ADCP measurements at 41 cross sections near this bank. Results indicate that flow along the outer bank is strongly influenced by large resistance elements, including woody debris, large erosional scallops within the bank face, and outcropping bedrock. In general, patterns of bank migration conform with zones of high near-bank velocity and shear stress. Using the existing model, different virtual events can be simulated to explore the impacts of different resistance characteristics on patterns of flow, sediment transport, and bank erosion.

  16. A model of a code of ethics for tissue banks operating in developing countries.

    PubMed

    Morales Pedraza, Jorge

    2012-12-01

    Ethical practice in the field of tissue banking requires the setting of principles, the identification of possible deviations and the establishment of mechanisms that will detect and hinder abuses that may occur during the procurement, processing and distribution of tissues for transplantation. This model of a Code of Ethics has been prepared with the purpose of being used for the elaboration of a Code of Ethics for tissue banks operating in the Latin American and the Caribbean, Asia and the Pacific and the African regions in order to guide the day-to-day operation of these banks. The purpose of this model of Code of Ethics is to assist interested tissue banks in the preparation of their own Code of Ethics towards ensuring that the tissue bank staff support with their actions the mission and values associated with tissue banking.

  17. Predicting the Rate of River Bank Erosion Caused by Large Wood Log

    NASA Astrophysics Data System (ADS)

    Zhang, N.; Rutherfurd, I.; Ghisalberti, M.

    2016-12-01

    When a single tree falls into a river channel, flow is deflected and accelerated between the tree roots and the bank face, increasing shear stress and scouring the bank. The scallop shaped erosion increases the diversity of the channel morphology, but also causes concern for adjacent landholders. Concern about increased bank erosion is one of the main reasons for large wood to still be removed from channels in SE Australia. Further, the hydraulic effect of many logs in the channel can reduce overall bank erosion rates. Although both phenomena have been described before, this research develops a hydraulic model that estimates their magnitude, and tests and calibrates this model with flume and field measurements, with logs with various configurations and sizes. Specifically, the model estimates the change in excess shear stress on the bank associated . The model addresses the effect of the log angle, distance from bank, and log size and flow condition by solving the mass continuity and energy conservation between the cross section at the approaching flow and contracted flow. Then, we evaluate our model against flume experiment preformed with semi-realistic log models to represent logs in different sizes and decay stages by comparing the measured and simulated velocity increase in the gap between the log and the bank. The log angle, distance from bank, and flow condition are systemically varied for each log model during the experiment. Final, the calibrated model is compared with the field data collected in anabranching channels of Murray River in SE Australia where there are abundant instream logs and regulated and consistent high flow for irrigation. Preliminary results suggest that a log can significantly increase the shear stress on the bank, especially when it positions perpendicular to the flow. The shear stress increases with the log angle in a rising curve (The log angle is the angle between log trunk and flow direction. 0o means log is parallel to flow with canopy pointing downstream). However, the shear stress shows insignificant changes as the log is being moved close to the bank.

  18. Money-center structures in dynamic banking systems

    NASA Astrophysics Data System (ADS)

    Li, Shouwei; Zhang, Minghui

    2016-10-01

    In this paper, we propose a dynamic model for banking systems based on the description of balance sheets. It generates some features identified through empirical analysis. Through simulation analysis of the model, we find that banking systems have the feature of money-center structures, that bank asset distributions are power-law distributions, and that contract size distributions are log-normal distributions.

  19. Analyzing the Validity of Relationship Banking through Agent-based Modeling

    NASA Astrophysics Data System (ADS)

    Nishikido, Yukihito; Takahashi, Hiroshi

    This article analyzes the validity of relationship banking through agent-based modeling. In the analysis, we especially focus on the relationship between economic conditions and both lenders' and borrowers' behaviors. As a result of intensive experiments, we made the following interesting findings: (1) Relationship banking contributes to reducing bad loan; (2) relationship banking is more effective in enhancing the market growth compared to transaction banking, when borrowers' sales scale is large; (3) keener competition among lenders may bring inefficiency to the market.

  20. High current nonlinear transmission line based electron beam driver

    NASA Astrophysics Data System (ADS)

    Hoff, B. W.; French, D. M.; Simon, D. S.; Lepell, P. D.; Montoya, T.; Heidger, S. L.

    2017-10-01

    A gigawatt-class nonlinear transmission line based electron beam driver is experimentally demonstrated. Four experimental series, each with a different Marx bank charge voltage (15, 20, 25, and 30 kV), were completed. Within each experimental series, shots at peak frequencies ranging from 950 MHz to 1.45 GHz were performed. Peak amplitude modulations of the NLTL output voltage signal were found to range between 18% and 35% for the lowest frequency shots and between 5% and 20% for the highest frequency shots (higher modulation at higher Marx charge voltage). Peak amplitude modulations of the electron beam current were found to range between 10% and 20% for the lowest frequency shots and between 2% and 7% for the highest frequency shots (higher modulation at higher Marx charge voltage).

  1. 77 FR 67007 - Federal Reserve Bank Services Private Sector Adjustment Factor

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-11-08

    ... had characteristics most analogous to correspondent banks, clearing balances held by depository institutions at Reserve Banks were a primary component in computing the PSAF. The clearing balance program was largely modeled after similar programs offered by correspondent banks, wherein banks maintain balances...

  2. A stochastic population model for Lepidium papilliferum (Brassicaceae), a rare desert ephemeral with a persistent seed bank

    Treesearch

    Susan E. Meyer; Dana Quinney; Jay Weaver

    2006-01-01

    Population viability analysis (PVA) is a valuable tool for rare plant conservation, but PVA for plants with persistent seed banks is difficult without reliable information on seed bank processes. We modeled the population dynamics of the Snake River Plains ephemeral Lepidium papilliferum using data from an 11-yr artificial seed bank experiment to estimate age-specific...

  3. 12 CFR Appendix E to Part 208 - Capital Adequacy Guidelines for State Member Banks; Market Risk Measure

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... provide information about the impact of adverse market events on a bank's covered positions. Backtests provide information about the accuracy of an internal model by comparing a bank's daily VAR measures to... Banks; Market Risk Measure E Appendix E to Part 208 Banks and Banking FEDERAL RESERVE SYSTEM BOARD OF...

  4. 12 CFR 932.4 - Credit risk capital requirement.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... risk capital charge for an asset shall be equal to the book value of the asset multiplied by the credit... readily determinable value at which it can be liquidated by the Bank; (4) Held in accordance with the... paragraph (h)(3) of this section shall be: (i) If the mark-to-market value of the contract is positive, the...

  5. 26 CFR 301.6311-1 - Payment by check or money order.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... revenue taxes, provided the checks, drafts, or money orders are collectible in United States currency at... exchange or other charges. As used in this section, the term “money order” means: (a) U.S. postal, bank... may pay his tax by postal money order of such country. For a list of such countries, see section 171...

  6. 77 FR 12367 - Agency Information Collection and Reporting Activities; Electronic Filing of Bank Secrecy Act...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-02-29

    ..., Federal Register notice they may be inspected, between 10 a.m. and 4 p.m., in the FinCEN reading room in...-Filing, which is provided free of charge, offers streamlined BSA information submission; faster routing... suspicious activity report (SAR) was received; Feedback reports to filers; Faster acknowledgement to money...

  7. Abuses and Mysteries at the Association of Social Work Boards

    ERIC Educational Resources Information Center

    Woodcock, Ray

    2016-01-01

    Under contract with the Association of Social Work Boards (ASWB), Pearson VUE reportedly performs much of the work of developing and administering the social work licensing exams required by most states. ASWB charges substantial fees for such exams and, after paying Pearson, has been able to bank considerable sums. One of the key contributions to…

  8. 76 FR 77052 - Proposed Collection; Comment Request for Regulation Project

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-12-09

    ... 1995, Public Law 104-13 (44 U.S.C. 3506(c)(2)(A)). The IRS is soliciting comments concerning... requires large banks to change from reserve method of accounting to the specific charge off method of accounting for bad debts. Section 1.585-8 of the regulation contains reporting requirements in cases in which...

  9. Evaluating Kuala Lumpur stock exchange oriented bank performance with stochastic frontiers

    NASA Astrophysics Data System (ADS)

    Baten, M. A.; Maznah, M. K.; Razamin, R.; Jastini, M. J.

    2014-12-01

    Banks play an essential role in the economic development and banks need to be efficient; otherwise, they may create blockage in the process of development in any country. The efficiency of banks in Malaysia is important and should receive greater attention. This study formulated an appropriate stochastic frontier model to investigate the efficiency of banks which are traded on Kuala Lumpur Stock Exchange (KLSE) market during the period 2005-2009. All data were analyzed to obtain the maximum likelihood method to estimate the parameters of stochastic production. Unlike the earlier studies which use balance sheet and income statements data, this study used market data as the input and output variables. It was observed that banks listed in KLSE exhibited a commendable overall efficiency level of 96.2% during 2005-2009 hence suggesting minimal input waste of 3.8%. Among the banks, the COMS (Cimb Group Holdings) bank is found to be highly efficient with a score of 0.9715 and BIMB (Bimb Holdings) bank is noted to have the lowest efficiency with a score of 0.9582. The results also show that Cobb-Douglas stochastic frontier model with truncated normal distributional assumption is preferable than Translog stochastic frontier model.

  10. Electronic Switch Arrays for Managing Microbattery Arrays

    NASA Technical Reports Server (NTRS)

    Mojarradi, Mohammad; Alahmad, Mahmoud; Sukumar, Vinesh; Zghoul, Fadi; Buck, Kevin; Hess, Herbert; Li, Harry; Cox, David

    2008-01-01

    Integrated circuits have been invented for managing the charging and discharging of such advanced miniature energy-storage devices as planar arrays of microscopic energy-storage elements [typically, microscopic electrochemical cells (microbatteries) or microcapacitors]. The architecture of these circuits enables implementation of the following energy-management options: dynamic configuration of the elements of an array into a series or parallel combination of banks (subarrarys), each array comprising a series of parallel combination of elements; direct addressing of individual banks for charging/or discharging; and, disconnection of defective elements and corresponding reconfiguration of the rest of the array to utilize the remaining functional elements to obtain the desited voltage and current performance. An integrated circuit according to the invention consists partly of a planar array of field-effect transistors that function as switches for routing electric power among the energy-storage elements, the power source, and the load. To connect the energy-storage elements to the power source for charging, a specific subset of switches is closed; to connect the energy-storage elements to the load for discharging, a different specific set of switches is closed. Also included in the integrated circuit is circuitry for monitoring and controlling charging and discharging. The control and monitoring circuitry, the switching transistors, and interconnecting metal lines are laid out on the integrated-circuit chip in a pattern that registers with the array of energy-storage elements. There is a design option to either (1) fabricate the energy-storage elements in the corresponding locations on, and as an integral part of, this integrated circuit; or (2) following a flip-chip approach, fabricate the array of energy-storage elements on a separate integrated-circuit chip and then align and bond the two chips together.

  11. A compact submicrosecond, high current generator

    NASA Astrophysics Data System (ADS)

    Kovalchuk, B. M.; Kharlov, A. V.; Zorin, V. B.; Zherlitsyn, A. A.

    2009-08-01

    Pulsed current generator was developed for experiments with current carrying pulsed plasma. Main parts of the generator are capacitor bank, low inductive current driving lines, and central load part. Generator consists of four identical sections, connected in parallel to one load. Capacitor bank is assembled from 24 capacitor blocks (100 kV, 80 nF), connected in parallel. It stores 9.6 kJ at 100 kV charging voltage. Each capacitor block incorporates a multigap spark switch, which is able to commute by six parallel channels. Switches operate in dry air at atmospheric pressure. The generator was tested with an inductive load and a liner load. At 17.5 nH inductive load and 100 kV of charging voltage it provides 650 kA of current amplitude with 390 ns rise time with 0.6 Ω damping resistors in discharge circuit of each capacitor block. The net generator inductance without a load was optimized to be as low as 15 nH, which results in extremely low impedance of the generator (˜0.08 Ω). It ensures effective energy coupling with a low impedance load such as Z pinch. The generator operates reliably without any adjustments in 70-100 kV range of charging voltage. Jitter in delay between output pulse and triggering pulse is less than 5 ns at 70-100 kV charging voltage. Operation and handling are very simple, because no oil or purified gases are required for the generator. The generator has dimensions 5.24×1.2×0.18 m3 and total weight about 1400 kg, thus manifesting itself as simple, robust, and cost effective apparatus.

  12. 12 CFR Appendix A to Part 704 - Model Forms

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 12 Banks and Banking 6 2011-01-01 2011-01-01 false Model Forms A Appendix A to Part 704 Banks and... Pt. 704, App. A Appendix A to Part 704—Model Forms This appendix contains sample forms intended for... corporate credit union. (8) Paid-in capital is perpetual maturity and noncumulative dividend. I have read...

  13. 12 CFR Appendix A to Part 704 - Model Forms

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Model Forms A Appendix A to Part 704 Banks and... Pt. 704, App. A Appendix A to Part 704—Model Forms This appendix contains sample forms intended for... corporate credit union. (8) Paid-in capital is perpetual maturity and noncumulative dividend. I have read...

  14. GenSo-EWS: a novel neural-fuzzy based early warning system for predicting bank failures.

    PubMed

    Tung, W L; Quek, C; Cheng, P

    2004-05-01

    Bank failure prediction is an important issue for the regulators of the banking industries. The collapse and failure of a bank could trigger an adverse financial repercussion and generate negative impacts such as a massive bail out cost for the failing bank and loss of confidence from the investors and depositors. Very often, bank failures are due to financial distress. Hence, it is desirable to have an early warning system (EWS) that identifies potential bank failure or high-risk banks through the traits of financial distress. Various traditional statistical models have been employed to study bank failures [J Finance 1 (1975) 21; J Banking Finance 1 (1977) 249; J Banking Finance 10 (1986) 511; J Banking Finance 19 (1995) 1073]. However, these models do not have the capability to identify the characteristics of financial distress and thus function as black boxes. This paper proposes the use of a new neural fuzzy system [Foundations of neuro-fuzzy systems, 1997], namely the Generic Self-organising Fuzzy Neural Network (GenSoFNN) [IEEE Trans Neural Networks 13 (2002c) 1075] based on the compositional rule of inference (CRI) [Commun ACM 37 (1975) 77], as an alternative to predict banking failure. The CRI based GenSoFNN neural fuzzy network, henceforth denoted as GenSoFNN-CRI(S), functions as an EWS and is able to identify the inherent traits of financial distress based on financial covariates (features) derived from publicly available financial statements. The interaction between the selected features is captured in the form of highly intuitive IF-THEN fuzzy rules. Such easily comprehensible rules provide insights into the possible characteristics of financial distress and form the knowledge base for a highly desired EWS that aids bank regulation. The performance of the GenSoFNN-CRI(S) network is subsequently benchmarked against that of the Cox's proportional hazards model [J Banking Finance 10 (1986) 511; J Banking Finance 19 (1995) 1073], the multi-layered perceptron (MLP) and the modified cerebellar model articulation controller (MCMAC) [IEEE Trans Syst Man Cybern: Part B 30 (2000) 491] in predicting bank failures based on a population of 3635 US banks observed over a 21 years period. Three sets of experiments are performed-bank failure classification based on the last available financial record and prediction using financial records one and two years prior to the last available financial statements. The performance of the GenSoFNN-CRI(S) network as a bank failure classification and EWS is encouraging.

  15. Internet Banking Adoption: Case of Lithuania and Latvia

    ERIC Educational Resources Information Center

    Gaile-Sarkane, Elina; Jureviciene, Diva; Skvarciany, Viktorija; Iljins, Juris

    2017-01-01

    The banking sector has developed and extended usage of different services at a distance using the internet in the last decade. Internet-based banking services dominate over other historically provided alternatives. This paper explores the adoption of internet banking in Lithuania and Latvia. Internet banking success model was developed based on…

  16. What makes Stellwagen Bank a whale feeding ground?

    NASA Astrophysics Data System (ADS)

    Zhai, X.; Flierl, G.; Lermusiaux, P. F. J.; Haley, P. J., Jr.; McCarthy, J. J.

    2016-12-01

    Stellwagen Bank lies at the Massachusetts Bay's eastern boundary with the Gulf of Maine (GoM) and is encompassed by the Gerry E. Studds Stellwagen Bank National Marine Sanctuary. It is a shoal with primarily sandy bottom and with water depth ranging from 20 meters to 40 meters. All across the Bank these waters are highly productive and support a large and diverse planktonic community and benthic community, a large fish diversity and fish biomass, and it is one of the most active whale feeding grounds in coastal waters of the United States makes. According to previous studies, several factors may contribute to the high biomass over sea banks and sea mounts, such as local enhancement due to high dissolved inorganic nitrogen (DIN = NH4 + NO3) and subsequent retention of productivity, plus the advection and local concentration of food produced elsewhere. In this research, the biological and physical processes which can cause the biomass patterns and accumulations over the Stellwagen Bank and its vicinity are investigated separately and together, using a 3D model which has been built in the MSEAS (Multidisciplinary simulation, estimation, and assimilation system) and a simple 2D cross-bank profile model. The study is focused on figuring out which are the dominant factors and processes that contribute to the abundant food in the Stellwagen Bank ecosystem and are responsible for sustaining the large biomass over the Bank, and how local or regional changes in climate and circulation might affect the food availability in this important whale feeding ground. The 2D model result shows that zooplankton diel migration can significantly affect the biological biomass and DIN concentration over the Bank. Both the 2D and 3D models show that upwelling induced by the Bank topography play an important role in nutrient and biomass enhancement.

  17. [Liability for hepatitis after blood transfusion (author's transl)].

    PubMed

    Fiedler, H; Hackethal, B

    1980-01-01

    1) Only a very limited amount of all cases of so-called "post-transfusion-hepatitis" (pth) is really due to infectivity of the transfused blood. Regardless of the mostly unknown true source of the infection, the occurrence of "pth" for itself does not qualify the recipient and/or his illness-insurance company for a legitimate action for damages against the blood bank under current West Germany Federal Law. 2) All West German blood banks are obliged by Federal Law to insure themselves against strictly defined damage claims. Their damage-insurance companies are not entitled to pay compensations to the illness-insurance companies of any victim of "pth" without meticulous investigation of the exact circumstances if expenses exceeding the legally defined limitations are included in the premium of damage-insurance charged to the blood banks. 3)Since nearly all inhabitants of West Germany are legally or voluntarily insured against illness, compensations paid by damage-insurance companies to illness-insurance companies are no appropriate means for any cost containment of the latter: The blood banks have no other choice than to calculate the additional premium costs into the costs of the blood units to be debitted to the illness-insurance companies.

  18. Design and test of a flat-top magnetic field system driven by capacitor banks.

    PubMed

    Jiang, Fan; Peng, Tao; Xiao, Houxiu; Zhao, Jianlong; Pan, Yuan; Herlach, Fritz; Li, Liang

    2014-04-01

    An innovative method for generating a flat-top pulsed magnetic field by means of capacitor banks is developed at the Wuhan National High Magnetic Field Center (WHMFC). The system consists of two capacitor banks as they are normally used to generate a pulsed field. The two discharge circuits (the magnet circuit and the auxiliary circuit) are coupled by a pulse transformer such that the electromotive force (EMF) induced via the transformer in the magnet circuit containing the magnet coil is opposed to the EMF of the capacitor bank. At a certain point before the current pulse in the coil reaches its peak, the auxiliary circuit is triggered. With optimized parameters for charging voltage and trigger delay, the current in the magnet circuit can be approximately kept constant to obtain a flat-top. A prototype was developed at the WHMFC; the magnet circuit was energized by seven 1 MJ (3.2 mF/25 kV) capacitor modules and the auxiliary circuit by four 1 MJ modules. Fields up to 41 T with 6 ms flat-top have been obtained with a conventional user magnet used at the WHMFC.

  19. Modelling river bank retreat by combining fluvial erosion, seepage and mass failure

    NASA Astrophysics Data System (ADS)

    Dapporto, S.; Rinaldi, M.

    2003-04-01

    Streambank erosion processes contribute significantly to the sediment yielded from a river system and represent an important issue in the contexts of soil degradation and river management. Bank retreat is controlled by a complex interaction of hydrologic, geotechnical, and hydraulic processes. The capability of modelling these different components allows for a full reconstruction and comprehension of the causes and rates of bank erosion. River bank retreat during a single flow event has been modelled by combining simulation of fluvial erosion, seepage, and mass failures. The study site, along the Sieve River (Central Italy), has been subject to extensive researches, including monitoring of pore water pressures for a period of 4 years. The simulation reconstructs fairly faithfully the observed changes, and is used to: a) test the potentiality and discuss advantages and limitations of such type of methodology for modelling bank retreat; c) quantify the contribution and mutual role of the different processes determining bank retreat. The hydrograph of the event is divided in a series of time steps. Modelling of the riverbank retreat includes for each step the following components: a) fluvial erosion and consequent changes in bank geometry; b) finite element seepage analysis; c) stability analysis by limit equilibrium method. Direct fluvial shear erosion is computed using empirically derived relationships expressing lateral erosion rate as a function of the excess of shear stress to the critical entrainment value for the different materials along the bank profile. Lateral erosion rate has been calibrated on the basis of the total bank retreat measured by digital terrestrial photogrammetry. Finite element seepage analysis is then conducted to reconstruct the saturated and unsaturated flow within the bank and the pore water pressure distribution for each time step. The safety factor for mass failures is then computed, using the pore water pressure distribution obtained by the seepage analysis, and the geometry of the upper bank is modified in case of failure.

  20. Performance and Safety Tests of Lithium-Ion Cells Arranged in a Matrix Design Configuration

    NASA Technical Reports Server (NTRS)

    Jeevarajan, Judith; Tracinski, Walt

    2010-01-01

    Matrix Packs display large variations in cell bank voltages at the charge and discharge current (C/2) used in this test program. The voltage difference is larger at the end of discharge than at the end of charge under the conditions studied. Disconnection of a cell from the pack leads to a larger voltage difference during discharge (greater than 2.0 V) between the bank that has one less cell and the other banks. Thermal profile does not show any significant changes or increase in temperature after one cell was disconnected from the bank in spite of falling to very low voltages at the end of discharge. All tests on the matrix pack with the HAM displayed lower max in general due to the placement of thermocouple on the outside of the HAM rather than on the cells. Disconnection of cells has almost no influence on the performance of the packs and does not show any abnormal thermal changes for the 100 cycles obtained in this test program. Longer cycle life may influence the performance especially if the low voltage cell goes into reversal. Overcharge leads to CID activation of cells. If the matrix configuration has a larger number of cells in series, (more than 5 S configuration), the limitations of protective devices may manifest itself irrespective of it being in a matrix configuration. External short circuit causes a fire with expulsion of content from some cells. The fire does not propagate itself laterally, but if there was cell module stacking, then the fire would cause the cells above it to also go into flames/thermal runaway. Limitations of protective devices are observed in this case as the PTCs in the cells did not protect under this abusive condition. Matrix configurations seem to provide protection against lateral propagation of fire and flame. Matrix pack configuration seems to provide good performance in spite of losing cell connections; at least for the configuration tested under this program.

  1. Using a Mixed Model to Explore Evaluation Criteria for Bank Supervision: A Banking Supervision Law Perspective

    PubMed Central

    Tsai, Sang-Bing; Chen, Kuan-Yu; Zhao, Hongrui; Wei, Yu-Min; Wang, Cheng-Kuang; Zheng, Yuxiang; Chang, Li-Chung; Wang, Jiangtao

    2016-01-01

    Financial supervision means that monetary authorities have the power to supervise and manage financial institutions according to laws. Monetary authorities have this power because of the requirements of improving financial services, protecting the rights of depositors, adapting to industrial development, ensuring financial fair trade, and maintaining stable financial order. To establish evaluation criteria for bank supervision in China, this study integrated fuzzy theory and the decision making trial and evaluation laboratory (DEMATEL) and proposes a fuzzy-DEMATEL model. First, fuzzy theory was applied to examine bank supervision criteria and analyze fuzzy semantics. Second, the fuzzy-DEMATEL model was used to calculate the degree to which financial supervision criteria mutually influenced one another and their causal relationship. Finally, an evaluation criteria model for evaluating bank and financial supervision was established. PMID:27992449

  2. Using a Mixed Model to Explore Evaluation Criteria for Bank Supervision: A Banking Supervision Law Perspective.

    PubMed

    Tsai, Sang-Bing; Chen, Kuan-Yu; Zhao, Hongrui; Wei, Yu-Min; Wang, Cheng-Kuang; Zheng, Yuxiang; Chang, Li-Chung; Wang, Jiangtao

    2016-01-01

    Financial supervision means that monetary authorities have the power to supervise and manage financial institutions according to laws. Monetary authorities have this power because of the requirements of improving financial services, protecting the rights of depositors, adapting to industrial development, ensuring financial fair trade, and maintaining stable financial order. To establish evaluation criteria for bank supervision in China, this study integrated fuzzy theory and the decision making trial and evaluation laboratory (DEMATEL) and proposes a fuzzy-DEMATEL model. First, fuzzy theory was applied to examine bank supervision criteria and analyze fuzzy semantics. Second, the fuzzy-DEMATEL model was used to calculate the degree to which financial supervision criteria mutually influenced one another and their causal relationship. Finally, an evaluation criteria model for evaluating bank and financial supervision was established.

  3. A Method for Evaluating Information Security Governance (ISG) Components in Banking Environment

    NASA Astrophysics Data System (ADS)

    Ula, M.; Ula, M.; Fuadi, W.

    2017-02-01

    As modern banking increasingly relies on the internet and computer technologies to operate their businesses and market interactions, the threats and security breaches have highly increased in recent years. Insider and outsider attacks have caused global businesses lost trillions of Dollars a year. Therefore, that is a need for a proper framework to govern the information security in the banking system. The aim of this research is to propose and design an enhanced method to evaluate information security governance (ISG) implementation in banking environment. This research examines and compares the elements from the commonly used information security governance frameworks, standards and best practices. Their strength and weakness are considered in its approaches. The initial framework for governing the information security in banking system was constructed from document review. The framework was categorized into three levels which are Governance level, Managerial level, and technical level. The study further conducts an online survey for banking security professionals to get their professional judgment about the ISG most critical components and the importance for each ISG component that should be implemented in banking environment. Data from the survey was used to construct a mathematical model for ISG evaluation, component importance data used as weighting coefficient for the related component in the mathematical model. The research further develops a method for evaluating ISG implementation in banking based on the mathematical model. The proposed method was tested through real bank case study in an Indonesian local bank. The study evidently proves that the proposed method has sufficient coverage of ISG in banking environment and effectively evaluates the ISG implementation in banking environment.

  4. A dynamic approach merging network theory and credit risk techniques to assess systemic risk in financial networks.

    PubMed

    Petrone, Daniele; Latora, Vito

    2018-04-03

    The interconnectedness of financial institutions affects instability and credit crises. To quantify systemic risk we introduce here the PD model, a dynamic model that combines credit risk techniques with a contagion mechanism on the network of exposures among banks. A potential loss distribution is obtained through a multi-period Monte Carlo simulation that considers the probability of default (PD) of the banks and their tendency of defaulting in the same time interval. A contagion process increases the PD of banks exposed toward distressed counterparties. The systemic risk is measured by statistics of the loss distribution, while the contribution of each node is quantified by the new measures PDRank and PDImpact. We illustrate how the model works on the network of the European Global Systemically Important Banks. For a certain range of the banks' capital and of their assets volatility, our results reveal the emergence of a strong contagion regime where lower default correlation between banks corresponds to higher losses. This is the opposite of the diversification benefits postulated by standard credit risk models used by banks and regulators who could therefore underestimate the capital needed to overcome a period of crisis, thereby contributing to the financial system instability.

  5. A mixed integer bi-level DEA model for bank branch performance evaluation by Stackelberg approach

    NASA Astrophysics Data System (ADS)

    Shafiee, Morteza; Lotfi, Farhad Hosseinzadeh; Saleh, Hilda; Ghaderi, Mehdi

    2016-03-01

    One of the most complicated decision making problems for managers is the evaluation of bank performance, which involves various criteria. There are many studies about bank efficiency evaluation by network DEA in the literature review. These studies do not focus on multi-level network. Wu (Eur J Oper Res 207:856-864, 2010) proposed a bi-level structure for cost efficiency at the first time. In this model, multi-level programming and cost efficiency were used. He used a nonlinear programming to solve the model. In this paper, we have focused on multi-level structure and proposed a bi-level DEA model. We then used a liner programming to solve our model. In other hand, we significantly improved the way to achieve the optimum solution in comparison with the work by Wu (2010) by converting the NP-hard nonlinear programing into a mixed integer linear programming. This study uses a bi-level programming data envelopment analysis model that embodies internal structure with Stackelberg-game relationships to evaluate the performance of banking chain. The perspective of decentralized decisions is taken in this paper to cope with complex interactions in banking chain. The results derived from bi-level programming DEA can provide valuable insights and detailed information for managers to help them evaluate the performance of the banking chain as a whole using Stackelberg-game relationships. Finally, this model was applied in the Iranian bank to evaluate cost efficiency.

  6. Evaluating Kuala Lumpur stock exchange oriented bank performance with stochastic frontiers

    DOE Office of Scientific and Technical Information (OSTI.GOV)

    Baten, M. A.; Maznah, M. K.; Razamin, R.

    Banks play an essential role in the economic development and banks need to be efficient; otherwise, they may create blockage in the process of development in any country. The efficiency of banks in Malaysia is important and should receive greater attention. This study formulated an appropriate stochastic frontier model to investigate the efficiency of banks which are traded on Kuala Lumpur Stock Exchange (KLSE) market during the period 2005–2009. All data were analyzed to obtain the maximum likelihood method to estimate the parameters of stochastic production. Unlike the earlier studies which use balance sheet and income statements data, this studymore » used market data as the input and output variables. It was observed that banks listed in KLSE exhibited a commendable overall efficiency level of 96.2% during 2005–2009 hence suggesting minimal input waste of 3.8%. Among the banks, the COMS (Cimb Group Holdings) bank is found to be highly efficient with a score of 0.9715 and BIMB (Bimb Holdings) bank is noted to have the lowest efficiency with a score of 0.9582. The results also show that Cobb-Douglas stochastic frontier model with truncated normal distributional assumption is preferable than Translog stochastic frontier model.« less

  7. Assessing stream bank condition using airborne LiDAR and high spatial resolution image data in temperate semirural areas in Victoria, Australia

    NASA Astrophysics Data System (ADS)

    Johansen, Kasper; Grove, James; Denham, Robert; Phinn, Stuart

    2013-01-01

    Stream bank condition is an important physical form indicator for streams related to the environmental condition of riparian corridors. This research developed and applied an approach for mapping bank condition from airborne light detection and ranging (LiDAR) and high-spatial resolution optical image data in a temperate forest/woodland/urban environment. Field observations of bank condition were related to LiDAR and optical image-derived variables, including bank slope, plant projective cover, bank-full width, valley confinement, bank height, bank top crenulation, and ground vegetation cover. Image-based variables, showing correlation with the field measurements of stream bank condition, were used as input to a cumulative logistic regression model to estimate and map bank condition. The highest correlation was achieved between field-assessed bank condition and image-derived average bank slope (R2=0.60, n=41), ground vegetation cover (R=0.43, n=41), bank width/height ratio (R=0.41, n=41), and valley confinement (producer's accuracy=100%, n=9). Cross-validation showed an average misclassification error of 0.95 from an ordinal scale from 0 to 4 using the developed model. This approach was developed to support the remotely sensed mapping of stream bank condition for 26,000 km of streams in Victoria, Australia, from 2010 to 2012.

  8. Instantaneous charging & discharging cycle analysis of a novel supercapacitor based energy harvesting circuit

    NASA Astrophysics Data System (ADS)

    Khan, MD Shahrukh Adnan; Kuni, Sharsad Kara; Rajkumar, Rajprasad; Syed, Anas; Hawladar, Masum; Rahman, Md. Moshiur

    2017-12-01

    In this paper, an extensive effort has been made to design and develop a prototype in a laboratory setup environment in order to investigate experimentally the response of a novel Supercapacitor based energy harvesting circuit; particularly the phenomena of instantaneous charging and discharging cycle is analysed. To maximize battery lifespan and storage capacity, charging/discharging cycles need to be optimized in such a way, it ultimately enhances the system performances reliably. Keeping this into focus, an Arduino-MOSFET based control system is developed to charge the Supercapacitor from a low wind Vertical Axis Turbine (VAWT) and discharge it through a 6V battery. With a wind speed of 5m/s, the wind turbine requires approximately 8.1 hours to charge the 6V battery through Supercapacitor bank that constitutes 18 cycles in which each cycle consumes 27 minutes. The overall performance of the proposed system was quite convincing in a sense that the efficiency of the developed Energy Harvesting Circuit EHC raises to 19% in comparison to direct charging of the battery from the Vertical wind turbine. At low wind speed, such value of efficiency margin is quite encouraging which essentially validates the system design.

  9. 12 CFR 932.4 - Credit risk capital requirement.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... risk capital charge for an asset shall be equal to the book value of the asset multiplied by the credit... absorb losses; (3) Of a readily determinable value at which it can be liquidated by the Bank; (4) Held in... paragraph (h)(3) of this section shall be: (i) If the mark-to-market value of the contract is positive, the...

  10. 12 CFR 932.4 - Credit risk capital requirement.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... risk capital charge for an asset shall be equal to the book value of the asset multiplied by the credit... absorb losses; (3) Of a readily determinable value at which it can be liquidated by the Bank; (4) Held in... paragraph (h)(3) of this section shall be: (i) If the mark-to-market value of the contract is positive, the...

  11. Southeast Asia Report

    DTIC Science & Technology

    1987-04-21

    PROCUREMENT OF PUBLICATIONS JPRS publications may be ordered from the National Technical Information Service, Springfield, Virginia 22161. In order- ing, it...to matters other than procurement may be addressed to Joint Publications Research Service, 1000 North Glebe Road, Arlington, Virginia 22201. JPRS...Denies Graft Charges (Oscar M. Quiambao; PHILIPPINE DAILY INQUIRER, 31 Mar 87) 36 Banks’ Reserve Deficiency Declines ( BUSINESS DAY, 1 Apr 87

  12. 12 CFR Appendix E to Part 225 - Capital Adequacy Guidelines for Bank Holding Companies: Market Risk Measure

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... covered debt instrument that is subject to a non-zero specific risk capital charge. (A) For covered debt... indices. (iii) An organization must multiply the absolute value of the current market value of each net... multiply the absolute value of the current market value of each net long or short covered equity position...

  13. Energy spectrum of argon ions emitted from Filippov type Sahand plasma focus.

    PubMed

    Mohammadnejad, M; Pestehe, S J; Mohammadi, M A

    2013-07-01

    The energy and flux of the argon ions produced in Sahand plasma focus have been measured by employing a well-designed Faraday cup. The secondary electron emission effects on the ion signals are simulated and the dimensions of Faraday cup are optimized to minimize these effects. The measured ion energy spectrum is corrected for the ion energy loss and charge exchange in the background gas. The effects of the capacitor bank voltage and working gas pressure on the ion energy spectrum are also investigated. It has been shown that the emitted ion number per energy increases as the capacitor bank voltage increases. Decreasing the working gas pressure leads to the increase in the number of emitted ion per energy.

  14. The spatial Probit model-An application to the study of banking crises at the end of the 1990’s

    NASA Astrophysics Data System (ADS)

    Amaral, Andrea; Abreu, Margarida; Mendes, Victor

    2014-12-01

    We use a spatial Probit model to study the effect of contagion between banking systems of different countries. Applied to the late 1990s banking crisis in Asia we show that the phenomena of contagion is better seized using a spatial than a traditional Probit model. Unlike the latter, the spatial Probit model allows one to consider the cascade of cross and feedback effects of contagion that result from the outbreak of one initial crisis in one country or system. These contagion effects may result either from business connections between institutions of different countries or from institutional similarities between banking systems.

  15. CHANNEL EVOLUTION IN MODIFIED ALLUVIAL STREAMS.

    USGS Publications Warehouse

    Simon, Andrew; Hupp, Cliff R.

    1987-01-01

    This study (a) assesses the channel changes and network trends of bed level response after modifications between 1959 and 1972 of alluvial channels in western Tennessee and (b) develops a conceptual model of bank slope development to qualitatively assess bank stability and potential channel widening. A six-step, semiquantitative model of channel evolution in disturbed channels was developed by quantifying bed level trends and recognizing qualitative stages of bank slope development. Development of the bank profile is defined in terms of three dynamic and observable surfaces: (a) vertical face (70 to 90 degrees), (b) upper bank (25 to 50 degrees), and (c) slough line (20 to 25 degrees).

  16. Multi-linear model set design based on the nonlinearity measure and H-gap metric.

    PubMed

    Shaghaghi, Davood; Fatehi, Alireza; Khaki-Sedigh, Ali

    2017-05-01

    This paper proposes a model bank selection method for a large class of nonlinear systems with wide operating ranges. In particular, nonlinearity measure and H-gap metric are used to provide an effective algorithm to design a model bank for the system. Then, the proposed model bank is accompanied with model predictive controllers to design a high performance advanced process controller. The advantage of this method is the reduction of excessive switch between models and also decrement of the computational complexity in the controller bank that can lead to performance improvement of the control system. The effectiveness of the method is verified by simulations as well as experimental studies on a pH neutralization laboratory apparatus which confirms the efficiency of the proposed algorithm. Copyright © 2017 ISA. Published by Elsevier Ltd. All rights reserved.

  17. The ethics of donor human milk banking.

    PubMed

    Arnold, Lois D W

    2006-01-01

    This case study of donor human milk banking and the ethics that govern interested parties is the first time the ethics of donor milk banking has been explored. Two different models of ethics and their direct impact on donor milk banking are examined: biomedical ethics and public health ethics. How these models and principles affect different aspects of donor human milk banking and the parties involved in the delivery of this service are elucidated. Interactions of parties with each other and how the quality and type of interaction affects the ethical delivery of donor milk banking services are described. Crystallization is at the heart of the qualitative methodology used. Writing as a method of inquiry, an integrative research review, and personal experience are the three methods involved in the crystallization process. Suggestions are made for improving access and knowledge of banked donor human milk, a valuable public health resource.

  18. Fisher-Wright model with deterministic seed bank and selection.

    PubMed

    Koopmann, Bendix; Müller, Johannes; Tellier, Aurélien; Živković, Daniel

    2017-04-01

    Seed banks are common characteristics to many plant species, which allow storage of genetic diversity in the soil as dormant seeds for various periods of time. We investigate an above-ground population following a Fisher-Wright model with selection coupled with a deterministic seed bank assuming the length of the seed bank is kept constant and the number of seeds is large. To assess the combined impact of seed banks and selection on genetic diversity, we derive a general diffusion model. The applied techniques outline a path of approximating a stochastic delay differential equation by an appropriately rescaled stochastic differential equation. We compute the equilibrium solution of the site-frequency spectrum and derive the times to fixation of an allele with and without selection. Finally, it is demonstrated that seed banks enhance the effect of selection onto the site-frequency spectrum while slowing down the time until the mutation-selection equilibrium is reached. Copyright © 2016 Elsevier Inc. All rights reserved.

  19. Speculative and Hedging Interaction Model in Oil and U.S. Dollar Markets—Phase Transition

    NASA Astrophysics Data System (ADS)

    Campbell, Michael; Carfì, David

    2018-01-01

    We show that there is a phase transition in the bounded rational Carfì-Musolino model, and the possibility of a market crash. This model has two types of operators: a real economic subject (Air) and one or more investment banks (Bank). It also has two markets: oil spot market and US dollar futures. Bank agents react to Air and equilibrate much more quickly than Air. Thus Air is an acting external agent due to its longer-term investing, whereas the action of the banks equilibrates before Air makes its next transaction. This model constitutes a potential game, and agents crowd their preferences into one of the markets at a critical temperature when air makes no purchases of oil futures.

  20. Bankruptcy cascades in interbank markets.

    PubMed

    Tedeschi, Gabriele; Mazloumian, Amin; Gallegati, Mauro; Helbing, Dirk

    2012-01-01

    We study a credit network and, in particular, an interbank system with an agent-based model. To understand the relationship between business cycles and cascades of bankruptcies, we model a three-sector economy with goods, credit and interbank market. In the interbank market, the participating banks share the risk of bad debits, which may potentially spread a bank's liquidity problems through the network of banks. Our agent-based model sheds light on the correlation between bankruptcy cascades and the endogenous economic cycle of booms and recessions. It also demonstrates the serious trade-off between, on the one hand, reducing risks of individual banks by sharing them and, on the other hand, creating systemic risks through credit-related interlinkages of banks. As a result of our study, the dynamics underlying the meltdown of financial markets in 2008 becomes much better understandable.

  1. Item Banking. ERIC/AE Digest.

    ERIC Educational Resources Information Center

    Rudner, Lawrence

    This digest discusses the advantages and disadvantages of using item banks, and it provides useful information for those who are considering implementing an item banking project in their school districts. The primary advantage of item banking is in test development. Using an item response theory method, such as the Rasch model, items from multiple…

  2. Three-Dimensional Numerical Modelling of Flow and Sediment Transport for Field Scale Application of Stream Barbs at Sawmill Creek, Ottawa

    NASA Astrophysics Data System (ADS)

    Jamieson, E. C.; Rennie, C. D.; Townsend, R. D.

    2009-05-01

    Stream barbs (a type of submerged groyne or spur dike) are low-profile linear rock structures that prevent the erosion of stream banks by redirecting high velocity flow away from the bank. Stream barbs are becoming a popular method for stream bank protection as they can be built at a relatively low cost and provide added ecological benefit. The design and construction of stream barbs in Sawmill Creek, a small urban stream in the city of Ottawa, Canada, will serve as a demonstration project for the use of barbs as a bank stabilization technique that will contribute to the rehabilitation of urban creeks while reducing erosion threats to property and infrastructure. As well as providing bank protection, these structures promote vegetated stream banks, create resting pools and scour holes for fish habitat, and increase bio-diversity for aquatic species. Despite these benefits, stream barbs are not a common means of stream bank protection in Canada, due largely to a lack of suitable design guidelines. The overall goal of stream habitat restoration in incising channel systems should be to accelerate natural processes of channel equilibrium recovery, riparian re-vegetation, and stream-floodplain interaction. Incorporating stream barbs, instead of traditional bank protection measures, attempts to achieve these goals. A three-dimensional numerical model: 'Simulation in Intakes with Multiblock option' (SSIIM), was used to model the effects of placing a series of stream barbs along an unstable section of Sawmill Creek. The average bankfull depth, width, and discharge of the creek are 1.2 m, 7.5 m, and 9 m3/s respectively. The model was used to assess various design alternatives for a series of seven stream barbs at two consecutive channel bends requiring stabilization measures along their outer banks. Design criteria were principally based on the reduction of velocity, shear stress and subsequent erosion at the outside bank of each bend, and on the relocation of a new thalweg towards the centre of the channel, away from the outside bank. Sawmill Creek has the added complexity of having predominately clay bed and banks. The erosional behaviour of cohesive sediments such as clay is difficult to model correctly, due to the complex site-specific physio- chemical properties of clay particles. Following the construction of the proposed barbs at our field test site this summer (2009), and data collection the following spring and summer, we hope to advance the current knowledge of cohesive sediment transport processes in a complicated three-dimensional turbulent flow field. For the present modelling effort, erodibility of the consolidated clay bed and bank material was estimated based on establishing an entrainment threshold at near-bankfull conditions. The focus of this research is on (i) the unique site conditions and environmental protection requirements, (ii) design methodology, and (iii) results of the numerical simulation. The three-dimensional numerical model was capable of reproducing the expected distribution of secondary flow in a channel bend, the unique three- dimensional flow field resulting from a series of submerged structures and the associated patterns of soil erosion and deposition. The numerical modelling also demonstrated to be a useful tool for optimizing barb design for stream bank protection at the proposed field test site. Modelling results confirmed that in the vicinity of the barbs, the addition of the proposed barb layout achieved substantial reduction in erosion (up to 98 %), bed shear stress (up to 59 %) and streamwise velocity (up to 51 %).

  3. Procurement of Human Tissues for Research Banking in the Surgical Pathology Laboratory: Prioritization Practices at Washington University Medical Center

    PubMed Central

    Chernock, Rebecca D.; Leach, Tracey A.; Kahn, Ajaz A.; Yip, James H.; Rossi, Joan; Pfeifer, John D.

    2011-01-01

    Academic hospitals and medical schools with research tissue repositories often derive many of their internal human specimen acquisitions from their site's surgical pathology service. Typically, such acquisitions come from appropriately consented tissue discards sampled from surgical resections. Because the practice of surgical pathology has patient care as its primary mission, competing needs for tissue inevitably arise, with the requirement to preserve adequate tissue for clinical diagnosis being paramount. A set of best-practice gross pathology guidelines are summarized here, focused on the decision for tissue banking at the time specimens are macroscopically evaluated. These reflect our collective experience at Washington University School of Medicine, and are written from the point of view of our site biorepository. The involvement of trained pathology personnel in such procurements is very important. These guidelines reflect both good surgical pathology practice (including the pathologic features characteristic of various anatomic sites) and the typical objectives of research biorepositories. The guidelines should be helpful to tissue bank directors, and others charged with the procurement of tissues for general research purposes. We believe that appreciation of these principles will facilitate the partnership between surgical pathologists and biorepository directors, and promote both good patient care and strategic, value-added banking procurements. PMID:23386925

  4. In situ determination of the static inductance and resistance of a plasma focus capacitor bank.

    PubMed

    Saw, S H; Lee, S; Roy, F; Chong, P L; Vengadeswaran, V; Sidik, A S M; Leong, Y W; Singh, A

    2010-05-01

    The static (unloaded) electrical parameters of a capacitor bank are of utmost importance for the purpose of modeling the system as a whole when the capacitor bank is discharged into its dynamic electromagnetic load. Using a physical short circuit across the electromagnetic load is usually technically difficult and is unnecessary. The discharge can be operated at the highest pressure permissible in order to minimize current sheet motion, thus simulating zero dynamic load, to enable bank parameters, static inductance L(0), and resistance r(0) to be obtained using lightly damped sinusoid equations given the bank capacitance C(0). However, for a plasma focus, even at the highest permissible pressure it is found that there is significant residual motion, so that the assumption of a zero dynamic load introduces unacceptable errors into the determination of the circuit parameters. To overcome this problem, the Lee model code is used to fit the computed current trace to the measured current waveform. Hence the dynamics is incorporated into the solution and the capacitor bank parameters are computed using the Lee model code, and more accurate static bank parameters are obtained.

  5. In situ determination of the static inductance and resistance of a plasma focus capacitor bank

    DOE Office of Scientific and Technical Information (OSTI.GOV)

    Saw, S. H.; Institute for Plasma Focus Studies, 32 Oakpark Drive, Chadstone, Victoria 3148; Lee, S.

    2010-05-15

    The static (unloaded) electrical parameters of a capacitor bank are of utmost importance for the purpose of modeling the system as a whole when the capacitor bank is discharged into its dynamic electromagnetic load. Using a physical short circuit across the electromagnetic load is usually technically difficult and is unnecessary. The discharge can be operated at the highest pressure permissible in order to minimize current sheet motion, thus simulating zero dynamic load, to enable bank parameters, static inductance L{sub 0}, and resistance r{sub 0} to be obtained using lightly damped sinusoid equations given the bank capacitance C{sub 0}. However, formore » a plasma focus, even at the highest permissible pressure it is found that there is significant residual motion, so that the assumption of a zero dynamic load introduces unacceptable errors into the determination of the circuit parameters. To overcome this problem, the Lee model code is used to fit the computed current trace to the measured current waveform. Hence the dynamics is incorporated into the solution and the capacitor bank parameters are computed using the Lee model code, and more accurate static bank parameters are obtained.« less

  6. Optimization of business processes in banks through flexible workflow

    NASA Astrophysics Data System (ADS)

    Postolache, V.

    2017-08-01

    This article describes an integrated business model of a commercial bank. There are examples of components that go into its composition: wooden models and business processes, strategic goals, organizational structure, system architecture, operational and marketing risk models, etc. The practice has shown that the development and implementation of the integrated business model of the bank significantly increase operating efficiency and its management, ensures organizational and technology stable development. Considering the evolution of business processes in the banking sector, should be analysed their common characteristics. From the author’s point of view, a business process is a set of various activities of a commercial bank in which “Input” is one or more financial and material resources, as a result of this activity and “output” is created by banking product, which is some value to consumer. Using workflow technology, management business process efficiency issue is a matter of managing the integration of resources and sequence of actions aimed at achieving this goal. In turn, it implies management of jobs or functions’ interaction, synchronizing of the assignments periods, reducing delays in the transmission of the results etc. Workflow technology is very important for managers at all levels, as they can use it to easily strengthen the control over what is happening in a particular unit, and in the bank as a whole. The manager is able to plan, to implement rules, to interact within the framework of the company’s procedures and tasks entrusted to the system of the distribution function and execution control, alert on the implementation and issuance of the statistical data on the effectiveness of operating procedures. Development and active use of the integrated bank business model is one of the key success factors that contribute to long-term and stable development of the bank, increase employee efficiency and business processes, implement the strategic objectives.

  7. 12 CFR Appendix C to Part 325 - Risk-Based Capital for State Non-Member Banks: Market Risk

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... provide information about the impact of adverse market events on a bank's covered positions. Backtests provide information about the accuracy of an internal model by comparing a bank's daily VAR measures to... determines the bank meets such criteria as a consequence of accounting, operational, or similar...

  8. Which bank? A guardian model for regulation of embryonic stem cell research in Australia.

    PubMed

    McLennan, A

    2007-08-01

    In late 2005 the Legislation Review: Prohibition of Human Cloning Act 2002 (Cth) and the Research Involving Human Embryos Act 2002 (Cth) recommended the establishment of an Australian stem cell bank. This article aims to address a lack of discussion of issues surrounding stem cell banking by suggesting possible answers to the questions of whether Australia should establish a stem cell bank and what its underlying philosophy and functions should be. Answers are developed through an analysis of regulatory, scientific and intellectual property issues relating to embryonic stem cell research in the United Kingdom, United States and Australia. This includes a detailed analysis of the United Kingdom Stem Cell Bank. It is argued that a "guardian" model stem cell bank should be established in Australia. This bank would aim to promote the maximum public benefit from human embryonic stem cell research by providing careful regulatory oversight and addressing ethical issues, while also facilitating research by addressing practical scientific concerns and intellectual property issues.

  9. Sensitivity of a Riparian Large Woody Debris Recruitment Model to the Number of Contributing Banks and Tree Fall Pattern

    Treesearch

    Don C. Bragg; Jeffrey L. Kershner

    2004-01-01

    Riparian large woody debris (LWD) recruitment simulations have traditionally applied a random angle of tree fall from two well-forested stream banks. We used a riparian LWD recruitment model (CWD, version 1.4) to test the validity these assumptions. Both the number of contributing forest banks and predominant tree fall direction significantly influenced simulated...

  10. Dynamic Modeling of Systemic Risk in Financial Networks

    NASA Astrophysics Data System (ADS)

    Avakian, Adam

    Modern financial networks are complicated structures that can contain multiple types of nodes and connections between those nodes. Banks, governments and even individual people weave into an intricate network of debt, risk correlations and many other forms of interconnectedness. We explore multiple types of financial network models with a focus on understanding the dynamics and causes of cascading failures in such systems. In particular, we apply real-world data from multiple sources to these models to better understand real-world financial networks. We use the results of the Federal Reserve "Banking Organization Systemic Risk Report" (FR Y-15), which surveys the largest US banks on their level of interconnectedness, to find relationships between various measures of network connectivity and systemic risk in the US financial sector. This network model is then stress-tested under a number of scenarios to determine systemic risks inherent in the various network structures. We also use detailed historical balance sheet data from the Venezuelan banking system to build a bipartite network model and find relationships between the changing network structure over time and the response of the system to various shocks. We find that the relationship between interconnectedness and systemic risk is highly dependent on the system and model but that it is always a significant one. These models are useful tools that add value to regulators in creating new measurements of systemic risk in financial networks. These models could be used as macroprudential tools for monitoring the health of the entire banking system as a whole rather than only of individual banks.

  11. 12 CFR 332.2 - Model privacy form and examples.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... 12 Banks and Banking 5 2012-01-01 2012-01-01 false Model privacy form and examples. 332.2 Section... POLICY PRIVACY OF CONSUMER FINANCIAL INFORMATION § 332.2 Model privacy form and examples. (a) Model privacy form. Use of the model privacy form in appendix A of this part, consistent with the instructions...

  12. 12 CFR 216.2 - Model privacy form and examples.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... 12 Banks and Banking 2 2014-01-01 2014-01-01 false Model privacy form and examples. 216.2 Section... PRIVACY OF CONSUMER FINANCIAL INFORMATION (REGULATION P) § 216.2 Model privacy form and examples. (a) Model privacy form. Use of the model privacy form in appendix A of this part, consistent with the...

  13. 12 CFR 332.2 - Model privacy form and examples.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... 12 Banks and Banking 5 2014-01-01 2014-01-01 false Model privacy form and examples. 332.2 Section... POLICY PRIVACY OF CONSUMER FINANCIAL INFORMATION § 332.2 Model privacy form and examples. (a) Model privacy form. Use of the model privacy form in appendix A of this part, consistent with the instructions...

  14. 12 CFR 216.2 - Model privacy form and examples.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... 12 Banks and Banking 2 2012-01-01 2012-01-01 false Model privacy form and examples. 216.2 Section... PRIVACY OF CONSUMER FINANCIAL INFORMATION (REGULATION P) § 216.2 Model privacy form and examples. (a) Model privacy form. Use of the model privacy form in appendix A of this part, consistent with the...

  15. 12 CFR 216.2 - Model privacy form and examples.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... 12 Banks and Banking 2 2013-01-01 2013-01-01 false Model privacy form and examples. 216.2 Section... PRIVACY OF CONSUMER FINANCIAL INFORMATION (REGULATION P) § 216.2 Model privacy form and examples. (a) Model privacy form. Use of the model privacy form in appendix A of this part, consistent with the...

  16. 12 CFR 332.2 - Model privacy form and examples.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 12 Banks and Banking 4 2011-01-01 2011-01-01 false Model privacy form and examples. 332.2 Section... POLICY PRIVACY OF CONSUMER FINANCIAL INFORMATION § 332.2 Model privacy form and examples. (a) Model privacy form. Use of the model privacy form in Appendix A of this part, consistent with the instructions...

  17. 12 CFR 332.2 - Model privacy form and examples.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... 12 Banks and Banking 5 2013-01-01 2013-01-01 false Model privacy form and examples. 332.2 Section... POLICY PRIVACY OF CONSUMER FINANCIAL INFORMATION § 332.2 Model privacy form and examples. (a) Model privacy form. Use of the model privacy form in appendix A of this part, consistent with the instructions...

  18. 12 CFR 216.2 - Model privacy form and examples.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 12 Banks and Banking 2 2011-01-01 2011-01-01 false Model privacy form and examples. 216.2 Section... PRIVACY OF CONSUMER FINANCIAL INFORMATION (REGULATION P) § 216.2 Model privacy form and examples. (a) Model privacy form. Use of the model privacy form in appendix A of this part, consistent with the...

  19. 12 CFR 216.2 - Model privacy form and examples.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 12 Banks and Banking 2 2010-01-01 2010-01-01 false Model privacy form and examples. 216.2 Section... PRIVACY OF CONSUMER FINANCIAL INFORMATION (REGULATION P) § 216.2 Model privacy form and examples. (a) Model privacy form. Use of the model privacy form in appendix A of this part, consistent with the...

  20. 12 CFR 332.2 - Model privacy form and examples.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 12 Banks and Banking 4 2010-01-01 2010-01-01 false Model privacy form and examples. 332.2 Section... POLICY PRIVACY OF CONSUMER FINANCIAL INFORMATION § 332.2 Model privacy form and examples. (a) Model privacy form. Use of the model privacy form in Appendix A of this part, consistent with the instructions...

  1. Decoding the drivers of bank erosion on the Mekong river: The roles of the Asian monsoon, tropical storms, and snowmelt.

    PubMed

    Darby, Stephen E; Leyland, Julian; Kummu, Matti; Räsänen, Timo A; Lauri, Hannu

    2013-04-01

    We evaluate links between climate and simulated river bank erosion for one of the world's largest rivers, the Mekong. We employ a process-based model to reconstruct multidecadal time series of bank erosion at study sites within the Mekong's two main hydrological response zones, defining a new parameter, accumulated excess runoff (AER), pertinent to bank erosion. We employ a hydrological model to isolate how snowmelt, tropical storms and monsoon precipitation each contribute to AER and thus modeled bank erosion. Our results show that melt (23.9% at the upstream study site, declining to 11.1% downstream) and tropical cyclones (17.5% and 26.4% at the upstream and downstream sites, respectively) both force significant fractions of bank erosion on the Mekong. We also show (i) small, but significant, declines in AER and hence assumed bank erosion during the 20th century, and; (ii) that significant correlations exist between AER and the Indian Ocean Dipole (IOD) and El Niño Southern Oscillation (ENSO). Of these modes of climate variability, we find that IOD events exert a greater control on simulated bank erosion than ENSO events; but the influences of both ENSO and IOD when averaged over several decades are found to be relatively weak. However, importantly, relationships between ENSO, IOD, and AER and hence inferred river bank erosion are not time invariant. Specifically, we show that there is an intense and prolonged epoch of strong coherence between ENSO and AER from the early 1980s to present, such that in recent decades derived Mekong River bank erosion has been more strongly affected by ENSO.

  2. Decoding the drivers of bank erosion on the Mekong river: The roles of the Asian monsoon, tropical storms, and snowmelt

    PubMed Central

    Darby, Stephen E; Leyland, Julian; Kummu, Matti; Räsänen, Timo A; Lauri, Hannu

    2013-01-01

    We evaluate links between climate and simulated river bank erosion for one of the world's largest rivers, the Mekong. We employ a process-based model to reconstruct multidecadal time series of bank erosion at study sites within the Mekong's two main hydrological response zones, defining a new parameter, accumulated excess runoff (AER), pertinent to bank erosion. We employ a hydrological model to isolate how snowmelt, tropical storms and monsoon precipitation each contribute to AER and thus modeled bank erosion. Our results show that melt (23.9% at the upstream study site, declining to 11.1% downstream) and tropical cyclones (17.5% and 26.4% at the upstream and downstream sites, respectively) both force significant fractions of bank erosion on the Mekong. We also show (i) small, but significant, declines in AER and hence assumed bank erosion during the 20th century, and; (ii) that significant correlations exist between AER and the Indian Ocean Dipole (IOD) and El Niño Southern Oscillation (ENSO). Of these modes of climate variability, we find that IOD events exert a greater control on simulated bank erosion than ENSO events; but the influences of both ENSO and IOD when averaged over several decades are found to be relatively weak. However, importantly, relationships between ENSO, IOD, and AER and hence inferred river bank erosion are not time invariant. Specifically, we show that there is an intense and prolonged epoch of strong coherence between ENSO and AER from the early 1980s to present, such that in recent decades derived Mekong River bank erosion has been more strongly affected by ENSO. PMID:23926362

  3. A study for bank effect on ship traffic in narrow water channels using cellular automata

    NASA Astrophysics Data System (ADS)

    Sun, Zhuo; Cong, Shuang; Pan, Junnan; Zheng, Jianfeng

    2017-12-01

    In narrow water channels, bank might affect nearby ships due to hydrodynamic forces (bank effect). To avoid accidents, different sailing rules (i.e., lane-changing, speed control) are required. In this paper, a two-lane cellular automata model is proposed to evaluate such phenomena. Numerical experiments show that ships will form a “slow-moving chunk” in the bank area, which will significantly block the flux. As further study demonstrated to alleviate bank effect, ship speed and bank length should be controlled.

  4. 12 CFR Appendix E to Part 208 - Capital Adequacy Guidelines for State Member Banks; Market Risk Measure

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    .... A bank subject to this appendix must have a risk management system that meets the following minimum... management and is independent from business trading units. (2) The bank's internal risk measurement model must be integrated into the daily management process. (3) The bank's policies and procedures must...

  5. 12 CFR Appendix E to Part 225 - Capital Adequacy Guidelines for Bank Holding Companies: Market Risk Measure

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ...) BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM BANK HOLDING COMPANIES AND CHANGE IN BANK CONTROL... Stress tests provide information about the impact of adverse market events on a bank's covered positions. Backtests provide information about the accuracy of an internal model by comparing an organization's daily...

  6. A model of the relationship between weedy rice seed-bank dynamics and rice-crop infestation and damage in Jiangsu Province, China.

    PubMed

    Zhang, Zheng; Dai, Weimin; Song, Xiaoling; Qiang, Sheng

    2014-05-01

    A heavy infestation of weedy rice leading to no harvested rice has never been predicted in China due to a lack of knowledge about the weedy rice seed bank. We studied the seed-bank dynamics of weedy rice for three consecutive years and analyzed the relationship between seed-bank density and population density in order to predict future weedy rice infestations of direct-seeded rice at six sites along the Yangtze River in Jiangsu Province, China. The seed-bank density of weedy rice in all six sites displayed an increasing trend with seasonal fluctuations. Weedy rice seeds found in the 0-10 cm soil layer contributed most to seedling emergence. An exponential curve expressed the relationship between cultivated rice yield loss and adult weedy rice density. Based on data collected during the weedy rice life-cycle, a semi-empirical mathematic model was developed that fits well with the experimental data in a way that could be used to predict seed-bank dynamics. By integrating the semi-empirical model and the exponential curve, weedy rice infestation levels and crop losses can be predicted based on the seed-bank dynamics so that a practical control can be adopted before rice planting. © 2013 Society of Chemical Industry.

  7. An Empirical Bayes Approach to Item Banking. Project Psychometric Aspects of Item Banking No. 6. Research Report 86-6.

    ERIC Educational Resources Information Center

    van der Linden, Wim J.; Eggen, Theo J. H. M.

    A procedure for the sequential optimization of the calibration of an item bank is given. The procedure is based on an empirical Bayes approach to a reformulation of the Rasch model as a model for paired comparisons between the difficulties of test items in which ties are allowed to occur. First, it is indicated how a paired-comparisons design…

  8. 12 CFR Appendix B to Part 222 - Model Notices of Furnishing Negative Information

    Code of Federal Regulations, 2010 CFR

    2018-01-01

    ... your credit report. Model Notice B-2 We have told a credit bureau about a late payment, missed payment... 12 Banks and Banking 3 2018-01-01 2018-01-01 false Model Notices of Furnishing Negative... Appendix B to Part 222—Model Notices of Furnishing Negative Information a. Although use of the model...

  9. 12 CFR 716.2 - Model privacy form and examples.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 12 Banks and Banking 6 2011-01-01 2011-01-01 false Model privacy form and examples. 716.2 Section... PRIVACY OF CONSUMER FINANCIAL INFORMATION § 716.2 Model privacy form and examples. (a) Model privacy form. Use of the model privacy form in appendixA of this part, consistent with the instructions in appendixA...

  10. 12 CFR 716.2 - Model privacy form and examples.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... 12 Banks and Banking 7 2013-01-01 2013-01-01 false Model privacy form and examples. 716.2 Section... PRIVACY OF CONSUMER FINANCIAL INFORMATION § 716.2 Model privacy form and examples. (a) Model privacy form. Use of the model privacy form in Appendix A of this part, consistent with the instructions in Appendix...

  11. 12 CFR 716.2 - Model privacy form and examples.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... 12 Banks and Banking 7 2012-01-01 2012-01-01 false Model privacy form and examples. 716.2 Section... PRIVACY OF CONSUMER FINANCIAL INFORMATION § 716.2 Model privacy form and examples. (a) Model privacy form. Use of the model privacy form in Appendix A of this part, consistent with the instructions in Appendix...

  12. 12 CFR 716.2 - Model privacy form and examples.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Model privacy form and examples. 716.2 Section... PRIVACY OF CONSUMER FINANCIAL INFORMATION § 716.2 Model privacy form and examples. (a) Model privacy form. Use of the model privacy form in Appendix A of this part, consistent with the instructions in Appendix...

  13. State Assessment Program Item Banks: Model Language for Request for Proposals (RFP) and Contracts

    ERIC Educational Resources Information Center

    Swanson, Leonard C.

    2010-01-01

    This document provides recommendations for request for proposal (RFP) and contract language that state education agencies can use to specify their requirements for access to test item banks. An item bank is a repository for test items and data about those items. Item banks are used by state agency staff to view items and associated data; to…

  14. The structure of human 4F2hc ectodomain provides a model for homodimerization and electrostatic interaction with plasma membrane.

    PubMed

    Fort, Joana; de la Ballina, Laura R; Burghardt, Hans E; Ferrer-Costa, Carles; Turnay, Javier; Ferrer-Orta, Cristina; Usón, Isabel; Zorzano, Antonio; Fernández-Recio, Juan; Orozco, Modesto; Lizarbe, María Antonia; Fita, Ignacio; Palacín, Manuel

    2007-10-26

    4F2hc (CD98hc) is a multifunctional type II membrane glycoprotein involved in amino acid transport and cell fusion, adhesion, and transformation. The structure of the ectodomain of human 4F2hc has been solved using monoclinic (Protein Data Bank code 2DH2) and orthorhombic (Protein Data Bank code 2DH3) crystal forms at 2.1 and 2.8 A, respectively. It is composed of a (betaalpha)(8) barrel and an antiparallel beta(8) sandwich related to bacterial alpha-glycosidases, although lacking key catalytic residues and consequently catalytic activity. 2DH3 is a dimer with Zn(2+) coordination at the interface. Human 4F2hc expressed in several cell types resulted in cell surface and Cys(109) disulfide bridge-linked homodimers with major architectural features of the crystal dimer, as demonstrated by cross-linking experiments. 4F2hc has no significant hydrophobic patches at the surface. Monomer and homodimer have a polarized charged surface. The N terminus of the solved structure, including the position of Cys(109) residue located four residues apart from the transmembrane domain, is adjacent to the positive face of the ectodomain. This location of the N terminus and the Cys(109)-intervening disulfide bridge imposes space restrictions sufficient to support a model for electrostatic interaction of the 4F2hc ectodomain with membrane phospholipids. These results provide the first crystal structure of heteromeric amino acid transporters and suggest a dynamic interaction of the 4F2hc ectodomain with the plasma membrane.

  15. Crystal structure at 2.8 A of Huntingtin-interacting protein 1 (HIP1) coiled-coil domain reveals a charged surface suitable for HIP1 protein interactor (HIPPI).

    PubMed

    Niu, Qian; Ybe, Joel A

    2008-02-01

    Huntington's disease is a genetic neurological disorder that is triggered by the dissociation of the huntingtin protein (htt) from its obligate interaction partner Huntingtin-interacting protein 1 (HIP1). The release of the huntingtin protein permits HIP1 protein interactor (HIPPI) to bind to its recognition site on HIP1 to form a HIPPI/HIP1 complex that recruits procaspase-8 to begin the process of apoptosis. The interaction module between HIPPI and HIP1 was predicted to resemble a death-effector domain. Our 2.8-A crystal structure of the HIP1 371-481 subfragment that includes F432 and K474, which is important for HIPPI binding, is not a death-effector domain but is a partially opened coiled coil. The HIP1 371-481 model reveals a basic surface that we hypothesize to be suitable for binding HIPPI. There is an opened region next to the putative HIPPI site that is highly negatively charged. The acidic residues in this region are highly conserved in HIP1 and a related protein, HIP1R, from different organisms but are not conserved in the yeast homologue of HIP1, sla2p. We have modeled approximately 85% of the coiled-coil domain by joining our new HIP1 371-481 structure to the HIP1 482-586 model (Protein Data Bank code: 2NO2). Finally, the middle of this coiled-coil domain may be intrinsically flexible and suggests a new interaction model where HIPPI binds to a U-shaped HIP1 molecule.

  16. Systemic risk: the dynamics of model banking systems

    PubMed Central

    May, Robert M.; Arinaminpathy, Nimalan

    2010-01-01

    The recent banking crises have made it clear that increasingly complex strategies for managing risk in individual banks have not been matched by corresponding attention to overall systemic risks. We explore some simple mathematical caricatures for ‘banking ecosystems’, with emphasis on the interplay between the characteristics of individual banks (capital reserves in relation to total assets, etc.) and the overall dynamical behaviour of the system. The results are discussed in relation to potential regulations aimed at reducing systemic risk. PMID:19864264

  17. A robust and stable PLC based control system for 40kJ/25kV EMM system

    DOE Office of Scientific and Technical Information (OSTI.GOV)

    Sharma, Vijay; Saroj, P.C.; Kulkarni, M.R.

    2014-07-01

    This paper describes the PLC based control system developed for a 40kJ/25kV Electro-magnetic machining (EMM) system. In EMM system large capacitor banks is charged with high voltage to store large energy and the banks is made to discharge into a coil within few milli-seconds using a triggered spark gaps. During discharge of the capacitor large surges and transients are generated in the system. The control system monitors/controls and interlocks all the units of the system for proper operation. The control system is the only subsystem which is electrically connected to all the low and high voltage subsystems. Care should bemore » taken at the signal interfacing with the control system to protect the control system. (author)« less

  18. Making the right long-term prescription for medical equipment financing.

    PubMed

    Conbeer, George P

    2007-06-01

    For hospital financial executives charged with assessing new technologies, obtaining access to sufficient information to support an in-depth analysis can be a daunting challenge. The information should come not only from direct sources, such as the equipment manufacturer, but also from indirect sources, such as leasing companies. A thorough knowledge of financing methods--including tax-exempt bonds, bank debt, standard leasing, tax-exempt leasing, and equipment rental terms-is critical.

  19. Underground Data Acquisition and Telemetry System

    DTIC Science & Technology

    1977-02-28

    modulation is achieved in the circuit containing Q5, Ul, U2, Q6, and triac Q7, an RCA 40526. The function of the modulator is to switch the capacitor bank...approximately balance the charge current between the four battery strings. The ac-coupled Triac circuit is designed to provide additional EMP protection...I 4-9 CH * .* -.... ...... .. .. .. 0 :4 4-1 Each wafer, Figure 4.2-5, within an electronics module subassembly consists of a circuit

  20. 12 CFR Appendix B to Part 1022 - Model Notices of Furnishing Negative Information

    Code of Federal Regulations, 2010 CFR

    2018-01-01

    ... 12 Banks and Banking 8 2018-01-01 2018-01-01 false Model Notices of Furnishing Negative... REPORTING (REGULATION V) Pt. 1022, App. B Appendix B to Part 1022—Model Notices of Furnishing Negative Information a. Although use of the model notices is not required, a financial institution that is subject to...

  1. 12 CFR Appendix B to Part 222 - Model Notices of Furnishing Negative Information

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... account.” Model Notice B-1 We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. Model Notice B... 12 Banks and Banking 3 2010-01-01 2010-01-01 false Model Notices of Furnishing Negative...

  2. Impact of Financial Liberalization on Banking Sectors Performance from Central and Eastern European Countries

    PubMed Central

    Andries, Alin Marius; Capraru, Bogdan

    2013-01-01

    In this paper we analyse the impact of financial liberalization and reforms on the banking performance in 17 countries from CEE for the period 2004–2008 using a two-stage empirical model that involves estimating bank performance in the first stage and assessing its determinants in the second one. From our analysis it results that banks from CEE countries with higher level of liberalization and openness are able to increase cost efficiency and eventually to offer cheaper services to clients. Banks from non-member EU countries are less cost efficient but experienced much higher total productivity growth level, and large sized banks are much more cost efficient than medium and small banks, while small sized banks show the highest growth in terms of productivity. PMID:23555745

  3. Impact of financial liberalization on banking sectors performance from central and eastern European countries.

    PubMed

    Andries, Alin Marius; Capraru, Bogdan

    2013-01-01

    In this paper we analyse the impact of financial liberalization and reforms on the banking performance in 17 countries from CEE for the period 2004-2008 using a two-stage empirical model that involves estimating bank performance in the first stage and assessing its determinants in the second one. From our analysis it results that banks from CEE countries with higher level of liberalization and openness are able to increase cost efficiency and eventually to offer cheaper services to clients. Banks from non-member EU countries are less cost efficient but experienced much higher total productivity growth level, and large sized banks are much more cost efficient than medium and small banks, while small sized banks show the highest growth in terms of productivity.

  4. Magnitudes and Sources of Catchment Sediment: When A + B Doesn't Equal C

    NASA Astrophysics Data System (ADS)

    Simon, A.

    2015-12-01

    The export of land-based sediments to receiving waters can cause degradation of water quality and habitat, loss of reservoir capacity and damage to reef ecosystems. Predictions of sources and magnitudes generally come from simulations using catchment models that focus on overland flow processes at the expense of gully and channel processes. This is not appropriate for many catchments where recent research has shown that the dominant erosion sources have shifted from the uplands and fields following European Settlement, to the alluvial valleys today. Still, catchment models which fail to adequately address channel and bank processes are still the overwhelming choice by resource agencies to help manage sediment export. These models often utilize measured values of sediment load at the river mouth to "calibrate" the magnitude of loads emanating from uplands and fields. The difference between the sediment load at the mouth and the simulated upland loading is then proportioned to channel sources.Bank erosion from the Burnett River (a "Reef Catchment" in eastern Queensland) was quantified by comparisons of bank-top locations and by numerical modeling using BSTEM. Results show that bank-derived sediment contributes between 44 and 73% of the sediment load being exported to the Coral Sea. In comparison reported results from a catchment model showed bank contributions of 8%. In absolute terms, this is an increase in the reported average, annual rate of bank erosion from 0.175 Mt/y to 2.0 Mt/y.In the Hoteo River, New Zealand, a rural North Island catchment characterized by resistant cohesive sediments, bank erosion was found to contribute at least 48% of the total specific yield of sediment. Combining the bank-derived, fine-grained loads from some of the major tributaries gives a total, average annual loading rate for fine material of about 10,900 t/y for the studied reaches in the Hoteo River System. If the study was extended to include the lower reaches of the main stem channel and other tributary reaches, this percentage would be higher. Similar studies in the United States using combinations of empirical and numerical modeling techniques have also disclosed that bank-derived sediment can be the major source of sediment in many catchments. An approach to improve the accuracy of predictions is proposed.

  5. Establishing an integrated human milk banking approach to strengthen newborn care.

    PubMed

    DeMarchis, A; Israel-Ballard, K; Mansen, Kimberly Amundson; Engmann, C

    2017-05-01

    The provision of donor human milk can significantly reduce morbidity and mortality among vulnerable infants and is recommended by the World Health Organization as the next best option when a mother's own milk is unavailable. Regulated human milk banks can meet this need, however, scale-up has been hindered by the absence of an appropriate model for resource-limited settings and a lack of policy support for human milk banks and for the operational procedures supporting them. To reduce infant mortality, human milk banking systems need to be scaled up and integrated with other components of newborn care. This article draws on current guidelines and best practices from human milk banks to offer a compilation of universal requirements that provide a foundation for an integrated model of newborn care that is appropriate for low- and high-resource settings alike.

  6. Model-based prediction of nephropathia epidemica outbreaks based on climatological and vegetation data and bank vole population dynamics.

    PubMed

    Haredasht, S Amirpour; Taylor, C J; Maes, P; Verstraeten, W W; Clement, J; Barrios, M; Lagrou, K; Van Ranst, M; Coppin, P; Berckmans, D; Aerts, J-M

    2013-11-01

    Wildlife-originated zoonotic diseases in general are a major contributor to emerging infectious diseases. Hantaviruses more specifically cause thousands of human disease cases annually worldwide, while understanding and predicting human hantavirus epidemics pose numerous unsolved challenges. Nephropathia epidemica (NE) is a human infection caused by Puumala virus, which is naturally carried and shed by bank voles (Myodes glareolus). The objective of this study was to develop a method that allows model-based predicting 3 months ahead of the occurrence of NE epidemics. Two data sets were utilized to develop and test the models. These data sets were concerned with NE cases in Finland and Belgium. In this study, we selected the most relevant inputs from all the available data for use in a dynamic linear regression (DLR) model. The number of NE cases in Finland were modelled using data from 1996 to 2008. The NE cases were predicted based on the time series data of average monthly air temperature (°C) and bank voles' trapping index using a DLR model. The bank voles' trapping index data were interpolated using a related dynamic harmonic regression model (DHR). Here, the DLR and DHR models used time-varying parameters. Both the DHR and DLR models were based on a unified state-space estimation framework. For the Belgium case, no time series of the bank voles' population dynamics were available. Several studies, however, have suggested that the population of bank voles is related to the variation in seed production of beech and oak trees in Northern Europe. Therefore, the NE occurrence pattern in Belgium was predicted based on a DLR model by using remotely sensed phenology parameters of broad-leaved forests, together with the oak and beech seed categories and average monthly air temperature (°C) using data from 2001 to 2009. Our results suggest that even without any knowledge about hantavirus dynamics in the host population, the time variation in NE outbreaks in Finland could be predicted 3 months ahead with a 34% mean relative prediction error (MRPE). This took into account solely the population dynamics of the carrier species (bank voles). The time series analysis also revealed that climate change, as represented by the vegetation index, changes in forest phenology derived from satellite images and directly measured air temperature, may affect the mechanics of NE transmission. NE outbreaks in Belgium were predicted 3 months ahead with a 40% MRPE, based only on the climatological and vegetation data, in this case, without any knowledge of the bank vole's population dynamics. In this research, we demonstrated that NE outbreaks can be predicted using climate and vegetation data or the bank vole's population dynamics, by using dynamic data-based models with time-varying parameters. Such a predictive modelling approach might be used as a step towards the development of new tools for the prevention of future NE outbreaks. © 2012 Blackwell Verlag GmbH.

  7. Measuring the post-adoption customer perception of mobile banking services.

    PubMed

    Yu, Tai-Kuei; Fang, Kwoting

    2009-02-01

    With liberalization and internalization in the financial market and progress in information technology, banks face dual competitive pressures to provide service quality and administrative efficiency. That these recent developments are fueled by technology might misleadingly suggest that the adoption of mobile banking is largely based on technological criteria. The purpose of this study is to establish a better measurement model for postadoption user perception of mobile banking services. Based on 458 valid responses of mobile banking users, the results show that the instrument, consisting of 21 items and 6 factors, is a reliable, valid, and useful measurement for assessing the postadoption perception of mobile banking.

  8. Customer Loyalty in Virtual Environments: An Empirical Study in e-Bank

    NASA Astrophysics Data System (ADS)

    Chao, Yu; Lee, Gin-Yuan; Ho, Yung-Ching

    2009-08-01

    The advent of e-commerce has increased the importance of consumer financing operations. Internet banking helps banks to develop relationship marketing, thus improve customer loyalty. This study proposes a research framework to examine the relationships among e-service quality, customer satisfaction, customer trust and e-loyalty in e-bank in Taiwan. Data are collected through a survey using a structured questionnaire. The 442 valid respondents who have experience with e-bank are analyzed by partial least squares structural equation modeling (PLS-SEM) method. The managerial implication is e-bank must focus on e-service quality to increase customer satisfaction and trust for obtaining the e-loyalty.

  9. 12 CFR Appendix G to Part 1026 - Open-End Model Forms and Clauses

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... 12 Banks and Banking 8 2013-01-01 2013-01-01 false Open-End Model Forms and Clauses G Appendix G...) Pt. 1026, App. G Appendix G to Part 1026—Open-End Model Forms and Clauses G-1Balance Computation Methods Model Clauses (Home-equity Plans) (§§ 1026.6 and 1026.7) G-1(A)Balance Computation Methods Model...

  10. 12 CFR Appendix G to Part 1026 - Open-End Model Forms and Clauses

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... 12 Banks and Banking 8 2012-01-01 2012-01-01 false Open-End Model Forms and Clauses G Appendix G...) Pt. 1026, App. G Appendix G to Part 1026—Open-End Model Forms and Clauses G-1Balance Computation Methods Model Clauses (Home-equity Plans) (§§ 1026.6 and 1026.7) G-1(A)Balance Computation Methods Model...

  11. 12 CFR Appendix G to Part 1026 - Open-End Model Forms and Clauses

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... 12 Banks and Banking 9 2014-01-01 2014-01-01 false Open-End Model Forms and Clauses G Appendix G...) Pt. 1026, App. G Appendix G to Part 1026—Open-End Model Forms and Clauses G-1Balance Computation Methods Model Clauses (Home-equity Plans) (§§ 1026.6 and 1026.7) G-1(A)Balance Computation Methods Model...

  12. 12 CFR Appendix B to Part 230 - Model Clauses and Sample Forms

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 12 Banks and Banking 3 2010-01-01 2010-01-01 false Model Clauses and Sample Forms B Appendix B to... SYSTEM TRUTH IN SAVINGS (REGULATION DD) Pt. 230, App. B Appendix B to Part 230—Model Clauses and Sample Forms Table of contents B-1—Model Clauses for Account Disclosures (Section 230.4(b)) B-2—Model Clauses...

  13. A case management agency and bank create a service innovation.

    PubMed

    Katz, K S; Stowe, A W

    1992-01-01

    Connecticut Community Care, Inc. (CCCI), a statewide, nonprofit case management agency, in collaboration with Connecticut National Bank (CNB), developed a unique model of delivering case management services to bank trust clients. No reports of such a collaborative model have been found in the published literature in the United States. The article presents a historical overview of this innovative initiative; the identification of the target population; the delivery of the assessment, coordination, and monitoring services; and the marketing techniques. Utilization statistics, a synopsis of the model outcomes as viewed by the trust officers, and suggestions for replication are also presented.

  14. Bankruptcy Cascades in Interbank Markets

    PubMed Central

    Tedeschi, Gabriele; Mazloumian, Amin; Gallegati, Mauro; Helbing, Dirk

    2012-01-01

    We study a credit network and, in particular, an interbank system with an agent-based model. To understand the relationship between business cycles and cascades of bankruptcies, we model a three-sector economy with goods, credit and interbank market. In the interbank market, the participating banks share the risk of bad debits, which may potentially spread a bank’s liquidity problems through the network of banks. Our agent-based model sheds light on the correlation between bankruptcy cascades and the endogenous economic cycle of booms and recessions. It also demonstrates the serious trade-off between, on the one hand, reducing risks of individual banks by sharing them and, on the other hand, creating systemic risks through credit-related interlinkages of banks. As a result of our study, the dynamics underlying the meltdown of financial markets in 2008 becomes much better understandable. PMID:23300760

  15. 12 CFR Appendix B to Part 202 - Model Application Forms

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... 12 Banks and Banking 2 2014-01-01 2014-01-01 false Model Application Forms B Appendix B to Part... CREDIT OPPORTUNITY ACT (REGULATION B) Pt. 202, App. B Appendix B to Part 202—Model Application Forms 1... appear on the creditor's form. 3. If a creditor uses an appropriate Appendix B model form, or modifies a...

  16. A dynamic model of functioning of a bank

    NASA Astrophysics Data System (ADS)

    Malafeyev, Oleg; Awasthi, Achal; Zaitseva, Irina; Rezenkov, Denis; Bogdanova, Svetlana

    2018-04-01

    In this paper, we analyze dynamic programming as a novel approach to solve the problem of maximizing the profits of a bank. The mathematical model of the problem and the description of bank's work is described in this paper. The problem is then approached using the method of dynamic programming. Dynamic programming makes sure that the solutions obtained are globally optimal and numerically stable. The optimization process is set up as a discrete multi-stage decision process and solved with the help of dynamic programming.

  17. Low voltage operation of plasma focus.

    PubMed

    Shukla, Rohit; Sharma, S K; Banerjee, P; Das, R; Deb, P; Prabahar, T; Das, B K; Adhikary, B; Shyam, A

    2010-08-01

    Plasma foci of compact sizes and operating with low energies (from tens of joules to few hundred joules) have found application in recent years and have attracted plasma-physics scientists and engineers for research in this direction. We are presenting a low energy and miniature plasma focus which operates from a capacitor bank of 8.4 muF capacity, charged at 4.2-4.3 kV and delivering approximately 52 kA peak current at approximately 60 nH calculated circuit inductance. The total circuit inductance includes the plasma focus inductance. The reported plasma focus operates at the lowest voltage among all reported plasma foci so far. Moreover the cost of capacitor bank used for plasma focus is nearly 20 U.S. dollars making it very cheap. At low voltage operation of plasma focus, the initial breakdown mechanism becomes important for operation of plasma focus. The quartz glass tube is used as insulator and breakdown initiation is done on its surface. The total energy of the plasma focus is approximately 75 J. The plasma focus system is made compact and the switching of capacitor bank energy is done by manual operating switch. The focus is operated with hydrogen and deuterium filled at 1-2 mbar.

  18. The off-shore Transport of China Coastal Current over Taiwan Bank in Winter

    NASA Astrophysics Data System (ADS)

    Liao, E.; Yan, X. H.; Oey, L. Y.; Jiang, Y.

    2016-12-01

    In winter, an off-shore flow of China Coastal Current can be inferred from satellite and in-situ data over the Taiwan Bank. The dynamics related to this off-shore flow have not been previously explained and are examined here using observations and model. Influenced by southward wind stress and opposing pressure gradient, currents over the Taiwan Bank can be classified into three regimes. The southward China Coastal Current flows pass the Taiwan Bank when the wind stress is stronger than a critical value which depends on the opposite pressure gradient force. The coastal current turns northward under a weak wind stress. Two opposite currents converge over the bank and a branch of the coastal current then turns into the northward warm current when these two forces are in balance. Analysis of the vorticity balance shows that the cross-isobath movement is related to a negative bottom stress curl over the Taiwan Bank. Both bottom Ekman transport and shear and curvature vorticity related to the weak bottom slope over the Taiwan Bank contribute to the bottom stress curl. Composite analyses using observations tend to support the model results.

  19. Sediment size of surface floodplain sediments along a large lowland river

    NASA Astrophysics Data System (ADS)

    Swanson, K. M.; Day, G.; Dietrich, W. E.

    2007-12-01

    Data on size distribution of surface sediment across a floodplain should place important constraints of modeling of floodplain deposition. Diffusive or advective models would predict that, generally, grain size should decrease away from channel banks. Variations in grain size downstream along floodplains may depend on downstream fining of river bed material, exchange rate with river banks and net deposition onto the floodplain. Here we report detailed grain size analyses taken from 17 floodplain transects along 450 km (along channel distance) reach of the middle Fly River, Papua New Guinea. Field studies have documented a systematic change in floodplain characteristics downstream from forested, more topographically elevated and topography bounded by an actively shifting mainstem channel to a downstream swamp grass, low elevation topography along which the river meanders are currently stagnant. Frequency and duration of flooding increase downstream. Flooding occurs both by overbank flows and by injections of floodwaters up tributary and tie channels connected to the mainstem. Previous studies show that about 40% of the total discharge of water passes across the floodplain, and, correspondingly, about 40% of the total load is deposited on the plain - decreasing exponentially from channel bank. We find that floodplain sediment is most sandy at the channel bank. Grain size rapidly declines away from the bank, but surprisingly two trends were also observed. A relatively short distance from the bank the surface material is finest, but with further distance from the bank (out to greater than 1 km from the 250 m wide channel) clay content decreases and silt content increases. The changes are small but repeated at most of the transects. The second trend is that bank material fines downstream, corresponding to a downstream finding bed material, but once away from the bank, there is a weak tendency for a given distance away from the bank the floodplain surface deposits to slightly coarsen downstream. We also find that sand is present (about 4%) in these surface sediments out to 1 km from the channel bank. These trends are not consistent with simple lateral transport models, and other factors, including effects of flocculation, local flow patterns, and possibly dry season wind effects may matter.

  20. Design of a Percussion and Electric Primer Gun Firing Power Supply

    DTIC Science & Technology

    2014-07-01

    solenoid failure. As new instrumentation techniques such as high-speed video and laser interferometry have been introduced into our gun testing...to drive a solenoid into a percussion primer or ignite the M52A3B1 electric primer. To reduce power requirements, it uses charged capacitor banks to...drive the solenoid or ignite the primer. This report details the design and construction of the power supplies. 15. SUBJECT TERMS power supply

  1. Unlocking the Power of Remittances in Mexico: Keys to a Government Strategy for Poverty Reduction

    DTIC Science & Technology

    2011-10-28

    owned development bank, Bansefi (Banco del Ahorro Nacional y Servicios Financieros), which offers no-fee, interest bearing checking...provider, revealed that the actual rate charged to the borrower is 129% per year, while the rate marketed to clients is a mere 4% per month.45...Lending,” Journal of Business Ethics, Vol 88 (2009): 297-298. 54 Cited in Caskey et. al ., 3. 55 Gerardo Esquivel and Alejandra Huerta-Pineda

  2. Charge It Right. FDIC Money Smart Financial Education Curriculum = Uso Correcto de su Tarjeta de Credito. FDIC Money Smart Plan de Education para Capacitacion en Finanzas.

    ERIC Educational Resources Information Center

    Federal Deposit Insurance Corp., Washington, DC.

    This module on managing a credit card is one of ten in the Money Smart curriculum, and includes an instructor guide and a take-home guide. It was developed to help adults outside the financial mainstream enhance their money skills and create positive banking relationships. It is designed to enable participants to describe the costs and benefits of…

  3. Systemic Losses Due to Counterparty Risk in a Stylized Banking System

    NASA Astrophysics Data System (ADS)

    Birch, Annika; Aste, Tomaso

    2014-09-01

    We report a study of a stylized banking cascade model investigating systemic risk caused by counterparty failure using liabilities and assets to define banks' balance sheet. In our stylized system, banks can be in two states: normally operating or distressed and the state of a bank changes from normally operating to distressed whenever its liabilities are larger than the banks' assets. The banks are connected through an interbank lending network and, whenever a bank is distressed, its creditor cannot expect the loan from the distressed bank to be repaid, potentially becoming distressed themselves. We solve the problem analytically for a homogeneous system and test the robustness and generality of the results with simulations of more complex systems. We investigate the parameter space and the corresponding distribution of operating banks mapping the conditions under which the whole system is stable or unstable. This allows us to determine how financial stability of a banking system is influenced by regulatory decisions, such as leverage; we discuss the effect of central bank actions, such as quantitative easing and we determine the cost of rescuing a distressed banking system using re-capitalisation. Finally, we estimate the stability of the UK and US banking systems comparing the years 2007 and 2012 by using real data.

  4. Establishing an integrated human milk banking approach to strengthen newborn care

    PubMed Central

    DeMarchis, A; Israel-Ballard, K; Mansen, Kimberly Amundson; Engmann, C

    2017-01-01

    The provision of donor human milk can significantly reduce morbidity and mortality among vulnerable infants and is recommended by the World Health Organization as the next best option when a mother's own milk is unavailable. Regulated human milk banks can meet this need, however, scale-up has been hindered by the absence of an appropriate model for resource-limited settings and a lack of policy support for human milk banks and for the operational procedures supporting them. To reduce infant mortality, human milk banking systems need to be scaled up and integrated with other components of newborn care. This article draws on current guidelines and best practices from human milk banks to offer a compilation of universal requirements that provide a foundation for an integrated model of newborn care that is appropriate for low- and high-resource settings alike. PMID:27831549

  5. The dialog between health and foreign policy in Brazilian cooperation in human milk banks.

    PubMed

    Pittas, Tiago Mocellin; Dri, Clarissa Franzoi

    2017-07-01

    Mother's milk is the primary source of nourishment in early infancy. When this source is unavailable, secondary sources may be used, such as human milk banks. The first milk bank in Brazil was created in 1943, and they have been used ever since. A national model was developed through a number of phases, culminating in the Brazilian Network of Human Milk Banks. This gave rise to a number of international cooperation projects, with the Brazilian model particularly relevant for developing nations. The main objective of this analysis is to understand what drives Brazil to promote milk banks internationally. To do this we tried to understand the relationship between health and foreign policy, expressed here as soft power, as here the two areas dialog with one another. The results include gains in both areas and the affirmation of health as a central goal of the national interest cluster of the case.

  6. A simulated lightning effects test facility for testing live and inert missiles and components

    NASA Technical Reports Server (NTRS)

    Craven, Jeffery D.; Knaur, James A.; Moore, Truman W., Jr.; Shumpert, Thomas H.

    1991-01-01

    Details of a simulated lightning effects test facility for testing live and inert missiles, motors, and explosive components are described. The test facility is designed to simulate the high current, continuing current, and high rate-of-rise current components of an idealized direct strike lightning waveform. The Lightning Test Facility was in operation since May, 1988, and consists of: 3 separate capacitor banks used to produce the lightning test components; a permanently fixed large steel safety cage for retaining the item under test (should it be ignited during testing); an earth covered bunker housing the control/equipment room; a charge/discharge building containing the charging/discharging switching; a remotely located blockhouse from which the test personnel control hazardous testing; and interconnecting cables.

  7. NO3- anions can act as Lewis acid in the solid state

    NASA Astrophysics Data System (ADS)

    Bauzá, Antonio; Frontera, Antonio; Mooibroek, Tiddo J.

    2017-02-01

    Identifying electron donating and accepting moieties is crucial to understanding molecular aggregation, which is of pivotal significance to biology. Anions such as NO3- are typical electron donors. However, computations predict that the charge distribution of NO3- is anisotropic and minimal on nitrogen. Here we show that when the nitrate's charge is sufficiently dampened by resonating over a larger area, a Lewis acidic site emerges on nitrogen that can interact favourably with electron rich partners. Surveys of the Cambridge Structural Database and Protein Data Bank reveal geometric preferences of some oxygen and sulfur containing entities around a nitrate anion that are consistent with this `π-hole bonding' geometry. Computations reveal donor-acceptor orbital interactions that confirm the counterintuitive Lewis π-acidity of nitrate.

  8. Development of the AFRL Aircrew Perfomance and Protection Data Bank

    DTIC Science & Technology

    2007-12-01

    Growth model and statistical model of hypobaric chamber simulations. It offers a quick and readily accessible online DCS risk assessment tool for...are used for the DCS prediction instead of the original model. ADRAC is based on more than 20 years of hypobaric chamber studies using human...prediction based on the combined Bubble Growth model and statistical model of hypobaric chamber simulations was integrated into the Data Bank. It

  9. 12 CFR Appendix H to Part 226 - Closed-End Model Forms and Clauses

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 12 Banks and Banking 3 2011-01-01 2011-01-01 false Closed-End Model Forms and Clauses H Appendix H... RESERVE SYSTEM TRUTH IN LENDING (REGULATION Z) Pt. 226, App. H Appendix H to Part 226— Closed-End Model Forms and Clauses H-1Credit Sale Model Form (§ 226.18) H-2Loan Model Form (§ 226.18) H-3Amount Financed...

  10. 12 CFR Appendix C to Part 41 - Model Forms for Opt-Out Notices

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... 12 Banks and Banking 1 2012-01-01 2012-01-01 false Model Forms for Opt-Out Notices C Appendix C to... Pt. 41, App. C Appendix C to Part 41—Model Forms for Opt-Out Notices a. Although use of the model... comply with § 41.23(a)(2) of this part. C-1 Model Form for Initial Opt-out Notice (Single-Affiliate...

  11. 12 CFR Appendix C to Part 41 - Model Forms for Opt-Out Notices

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 12 Banks and Banking 1 2010-01-01 2010-01-01 false Model Forms for Opt-Out Notices C Appendix C to... Pt. 41, App. C Appendix C to Part 41—Model Forms for Opt-Out Notices a. Although use of the model... comply with § 41.23(a)(2) of this part. C-1 Model Form for Initial Opt-out Notice (Single-Affiliate...

  12. Fine sediment trapping in river lateral cavities

    NASA Astrophysics Data System (ADS)

    Juez, C.; Maechler, G.; Schleiss, A. J.; Franca, M. J.

    2016-12-01

    River restoration is nowadays a major issue in the field of hydraulics. The natural course and geometry of the rivers have been artificially changed by human activities for different purposes (land gaining, flood protection, agriculture). From a morphologic point of view, channelized rivers often display a straight path and monotonous river banks. This is in contradiction with natural morphology, where a high diversity can be found across the channel path (meanders) and the banks (pools, riffles). One way to restore rivers consist of transforming the artificial banks by adding macro-roughness elements in the lateral river banks (also called cavities and lateral embayments). The creation of irregularities on the banks causes new flow patterns that diversify the river habitat. However, these lateral cavities may be also responsible of the change of the river morphology, since they may trap the fine sediments travelling within the water. This is particularly important in glacier-fed streams such as the upper Rhone River in Switzerland. These are charged with fine sediments resulting from the erosion of the underlying glaciers bottom. The creation of lateral cavities may affect the sediment and morphological equilibrium of the river since these may trap sediments. This work aims to study the influence of the lateral cavities on the transport of fine sediments in the main channel. A set of laboratory experiments were done which covered a wide range of rectangular cavity configurations. Key parameters such as the flow discharge, the aspect ratio of the cavities and the initial sediment concentration were tested. Surface PIV, sediment samples and turbidity temporal records were collected during the experiments. The trapping efficiency of the cavities and the associated flow patterns were analyzed. The resulting conclusions provide a useful information for the future design of river restoration projects.

  13. Rasch Measurement and Item Banking: Theory and Practice.

    ERIC Educational Resources Information Center

    Nakamura, Yuji

    The Rasch Model is an item response theory, one parameter model developed that states that the probability of a correct response on a test is a function of the difficulty of the item and the ability of the candidate. Item banking is useful for language testing. The Rasch Model provides estimates of item difficulties that are meaningful,…

  14. A physically-based channel-modeling framework integrating HEC-RAS sediment transport capabilities and the USDA-ARS bank-stability and toe-erosion model (BSTEM)

    USDA-ARS?s Scientific Manuscript database

    Classical, one-dimensional, mobile bed, sediment-transport models simulate vertical channel adjustment, raising or lowering cross-section node elevations to simulate erosion or deposition. This approach does not account for bank erosion processes including toe scour and mass failure. In many systems...

  15. The effects of customers' mobile experience and technical support on the intention to use mobile banking.

    PubMed

    Chung, Namho; Kwon, Soon Jae

    2009-10-01

    While mobile banking has become an integral part of banking activities, it has also caused systems-related stress and consequent distrust among mobile banking users. This study looks into the phenomenon of technology adoption for mobile banking users and identifies potential factors that nurture positive intentions toward mobile banking usage. It examines the effects of a customer's mobile experience and technical support on mobile banking acceptance and explains how some variables affect this intention. After a literature review, the method of empirical analysis using a structured questionnaire is developed. Hierarchical Moderated Regression Analyses (HMRA) is used to examine the model. We find that mobile experience and technical support tend to strengthen the relationship between technological characteristics and a customer's intention to use the mobile technology.

  16. 12 CFR Appendix B to Part 230 - Model Clauses and Sample Forms

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... for Change in Terms (Section 230.5(a)) B-3—Model Clauses for Pre-Maturity Notices for Time Accounts... avoid imposition of a fee will increase to $___. B-3—Model Clauses for Pre-Maturity Notices for Time... 12 Banks and Banking 3 2011-01-01 2011-01-01 false Model Clauses and Sample Forms B Appendix B to...

  17. 12 CFR Appendix G to Part 226 - Open-End Model Forms and Clauses

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... 12 Banks and Banking 3 2013-01-01 2013-01-01 false Open-End Model Forms and Clauses G Appendix G... RESERVE SYSTEM (CONTINUED) TRUTH IN LENDING (REGULATION Z) Pt. 226, App. G Appendix G to Part 226—Open-End Model Forms and Clauses G-1Balance Computation Methods Model Clauses (Home-equity Plans) (§§ 226.6 and...

  18. Fostering public cord blood banking and research in Canada.

    PubMed

    Isasi, Rosario; Dalpe, Gratien; Knoppers, Bartha M

    2013-12-01

    In June 2013, Canadian Blood Services (CBS) established the National Public Cord Blood Bank (NPCBB) accessible to Canadian and international patients and researchers. The NPCBB promotes efforts that contribute to research and improved clinical care by making units not suitable for banking or transplantation available for research. In the context of the NPCBB of the CBS, this article will focus on the practical tools (e.g., consent protocols) developed to optimize umbilical cord blood (UCB) banking and research while enabling ethical provenance of UCB stem cells. The Canadian approach represents an ideal model for comparison as it is a country in which the national public bank (and other regional/provincial public banks) coexists with private companies.

  19. Model Experiment on the Temporary Closure of a Breached Bank

    NASA Astrophysics Data System (ADS)

    Shimada, T.; Maeda, S.; Nakashima, Y.

    2016-12-01

    In recent years, the possibility of river bank failures has been rising due to increased occurrences of floods from localized torrential downpours and typhoons. To mitigate bank failure damage, we made an experiment to simulate the flood discharge reduction effect of a temporary closure at an opening in a breached bank. A scale river model was used. A bank was made and then breached. Then, model blocks were placed to close the breach, to observe the flood discharge reduction afforded by the closure. We assumed that the blocks would be placed by a crane or from a helicopter, so we placed the model blocks accordingly. Regardless of the placement method, the flood discharge reduction was about 20% when about 50% of the breach was closed by the placement of blocks starting from the upstream-most portion of the breach. That result was because the water flow hit the tip of the placed closure, scoured the bed near the tip, and lowered the bed at the remaining part of the breach opening, after which the area where water flows out did not decrease at the same rate as the rate of longitudinal closure for the breach. In addition, with each successive length of breach closure, the required number of blocks increased and the closure progress decreased, because of the bed degradation. The results show that it is possible to reduce the flood flow from a bank breach effectively while closing the opening by taking measures to reduce bed scouring near the breach.

  20. PrPC Governs Susceptibility to Prion Strains in Bank Vole, While Other Host Factors Modulate Strain Features

    PubMed Central

    Espinosa, J. C.; Nonno, R.; Di Bari, M.; Aguilar-Calvo, P.; Pirisinu, L.; Fernández-Borges, N.; Vanni, I.; Vaccari, G.; Marín-Moreno, A.; Frassanito, P.; Lorenzo, P.; Agrimi, U.

    2016-01-01

    ABSTRACT Bank vole is a rodent species that shows differential susceptibility to the experimental transmission of different prion strains. In this work, the transmission features of a panel of diverse prions with distinct origins were assayed both in bank vole expressing methionine at codon 109 (Bv109M) and in transgenic mice expressing physiological levels of bank vole PrPC (the BvPrP-Tg407 mouse line). This work is the first systematic comparison of the transmission features of a collection of prion isolates, representing a panel of diverse prion strains, in a transgenic-mouse model and in its natural counterpart. The results showed very similar transmission properties in both the natural species and the transgenic-mouse model, demonstrating the key role of the PrP amino acid sequence in prion transmission susceptibility. However, differences in the PrPSc types propagated by Bv109M and BvPrP-Tg407 suggest that host factors other than PrPC modulate prion strain features. IMPORTANCE The differential susceptibility of bank voles to prion strains can be modeled in transgenic mice, suggesting that this selective susceptibility is controlled by the vole PrP sequence alone rather than by other species-specific factors. Differences in the phenotypes observed after prion transmissions in bank voles and in the transgenic mice suggest that host factors other than the PrPC sequence may affect the selection of the substrain replicating in the animal model. PMID:27654300

  1. Neoliberalism and the World Bank: Economic Discourse and the (Re)Production of Gendered Identity(ies)

    ERIC Educational Resources Information Center

    Griffin, Penny

    2007-01-01

    This article examines the World Bank's discourse of neoliberalism with a view to understanding how this informs and sustains the Bank's policies and practices in particularly gendered ways. "Neoliberalism" is, here, a discursive structure that constitutes a powerful and pervasive contemporary model of economic development, resting on assumptions…

  2. 40 CFR 91.1305 - Banking.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    .... (a) A manufacturer of a marine SI engine family with an in-use compliance level below the applicable FEL to which the engine family is certified for a given model year may bank positive in-use credits... banked 30 days after the submission of the report required by § 91.1309(a). During the 30 day period EPA...

  3. Teaching Bank Runs with Classroom Experiments

    ERIC Educational Resources Information Center

    Balkenborg, Dieter; Kaplan, Todd; Miller, Timothy

    2011-01-01

    Once relegated to cinema or history lectures, bank runs have become a modern phenomenon that captures the interest of students. In this article, the authors explain a simple classroom experiment based on the Diamond-Dybvig model (1983) to demonstrate how a bank run--a seemingly irrational event--can occur rationally. They then present possible…

  4. Optimization of the bank's operating portfolio

    NASA Astrophysics Data System (ADS)

    Borodachev, S. M.; Medvedev, M. A.

    2016-06-01

    The theory of efficient portfolios developed by Markowitz is used to optimize the structure of the types of financial operations of a bank (bank portfolio) in order to increase the profit and reduce the risk. The focus of this paper is to check the stability of the model to errors in the original data.

  5. Efficiency measurement of the banking sector in the presence of non-performing loan

    NASA Astrophysics Data System (ADS)

    Hamid, Nurhayati; Ramli, Noor Asiah; Hussin, Siti Aida Sheikh

    2017-01-01

    Bank industry plays a vital role in a country's economic development. In the banking industry, the non-performing loans which are acknowledged as being undesirable outputs and usually ignored in most of the analysis should be taken into account since they are undesirable by-products of producing loans and may lead to the bank inefficiency. Modelling the efficiency measurement without undesirable outputs can provide misleading results and unfair assessment. The Directional Distance Function (DDF) approach which extended from the Data Envelopment Analysis (DEA) framework is one of the enhancement efficiency approaches to handle a situation when there is a joint production of the desirable and undesirable outputs. The comparison of both results between the domestic and foreign banks shows that the DEA technical efficiency score for domestic banks is marginally higher than the Malaysian foreign banks. However, when incorporating the undesirable output, the DDF technical efficiency for foreign banks is slightly higher than domestic banks.

  6. The Money-Creation Model: Another Pedagogy.

    ERIC Educational Resources Information Center

    Gamble, Ralph C., Jr.

    1991-01-01

    Describes graphical techniques to help explain the multiple creation of deposits that accompany lending in a fractional reserve banking system. Presents a model that emphasizes the banking system, the interaction of total permitted, required, and excess reserves and deposits. Argues that the approach simplifies information to examining a slope…

  7. Tidal residual current and its role in the mean flow on the Changjiang Bank

    DOE Office of Scientific and Technical Information (OSTI.GOV)

    Xuan, Jiliang; Yang, Zhaoqing; Huang, Daji

    Tidal residual current may play an important role in the mean flow in the Changjiang Bank region, in addition to other residual currents, such as the Taiwan Warm Current, the Yellow Sea Coastal Current, and the Yellow Sea Warm Current. In this paper, a detailed structure of the tidal residual current, in particular the meso-scale eddies, in the Changjiang Bank region is observed from model simulations, and its role in the mean flow is quantified using the well-validated Finite Volume Coastal Ocean Model). The tidal residual current in the Changjiang Bank region consists of two components: an anticyclonic regional-scale tidalmore » residual circulation around the edge of the Changjiang Bank and some cyclonic meso-scale tidal residual eddies across the Changjiang Bank. The meso-scale tidal residual eddies occur across the Changjiang Bank and contribute to the regional-scale tidal residual circulation offshore at the northwest boundary and at the northeast edge of the Changjiang Bank, southeastward along the 50 m isobath. Tidal rectification is the major mechanism causing the tidal residual current to flow along the isobaths. Both components of the tidal residual current have significant effects on the mean flow. A comparison between the tidal residual current and the mean flow indicates that the contribution of the tidal residual current to the mean flow is greater than 50%.« less

  8. Tidal residual current and its role in the mean flow on the Changjiang Bank

    NASA Astrophysics Data System (ADS)

    Xuan, Jiliang; Yang, Zhaoqing; Huang, Daji; Wang, Taiping; Zhou, Feng

    2016-02-01

    The tidal residual current may play an important role in the mean flow in the Changjiang Bank region, in addition to other residual currents, such as the Taiwan Warm Current, the Yellow Sea Coastal Current, and the Yellow Sea Warm Current. In this paper, a detailed structure of the tidal residual current, in particular the meso-scale eddies, in the Changjiang Bank region is observed from model simulations, and its role in the mean flow is quantified using the well-validated Finite Volume Coastal Ocean Model. The tidal residual current in the Changjiang Bank region consists of two components: an anticyclonic regional-scale tidal residual circulation around the edge of the Changjiang Bank and some cyclonic meso-scale tidal residual eddies across the Changjiang Bank. The meso-scale tidal residual eddies occur across the Changjiang Bank and contribute to the regional-scale tidal residual circulation offshore at the northwest boundary and on the northeast edge of the Changjiang Bank, southeastward along the 50 m isobath. Tidal rectification is the major mechanism causing the tidal residual current to flow along the isobaths. Both components of the tidal residual current have significant effects on the mean flow. A comparison between the tidal residual current and the mean flow indicates that the contribution of the tidal residual current to the mean flow is greater than 50%.

  9. Cost of umbilical cord blood units released for transplantation.

    PubMed

    Sirchia, G; Rebulla, P; Tibaldi, S; Lecchi, L

    1999-06-01

    A large number of institutions have started programs banking umbilical cord blood (UCB) for allogeneic unrelated-donor and related-donor transplantation. However, limited information is available on the financial issues surrounding these activities. The aim of this study was to determine the fee per UCB unit released for transplantation that would allow cost recovery after 10 years. Three organizational models were considered suitable to provide units for five UCB transplants per 1 million population per year, a figure that would translate into an annual need for 280 units in Italy. Models A, B, and C included, respectively, seven networked banks, each with an inventory of 1,500 units; two networked banks, each with an inventory of 5,000 units; and one bank with an inventory of 10,000 units. It was estimated that it would take 3 years to develop the cryopreserved inventory and that approximately 3 percent of the inventory could be released and replaced each year during the 7-year interval between the fourth and tenth years of activity. The data on the costs of labor, reagents and diagnostics, disposables, depreciation and maintenance, laboratory tests, and overhead, as well as the operational data used in the analysis were collected at the Milano Cord Blood Bank in 1996. Fees of US $15,061, $12,666, and $11,602 per unit released during the fourth through the tenth years of activity allow full cost recovery (principle and interest) under Models A, B, and C, respectively. Although UCB procurement costs compare favorably with those of other hematopoietic cell sources, these results and the current fee of US $15,300 used in some institutions show that UCB is an expensive resource. Therefore, judicious planning of banking programs with high quality standards is necessary to prevent economic losses. The advantages of lower fees associated with the centralized banking approach of Model C should be balanced with the more flexible collection offered by Model A.

  10. EMDataBank unified data resource for 3DEM.

    PubMed

    Lawson, Catherine L; Patwardhan, Ardan; Baker, Matthew L; Hryc, Corey; Garcia, Eduardo Sanz; Hudson, Brian P; Lagerstedt, Ingvar; Ludtke, Steven J; Pintilie, Grigore; Sala, Raul; Westbrook, John D; Berman, Helen M; Kleywegt, Gerard J; Chiu, Wah

    2016-01-04

    Three-dimensional Electron Microscopy (3DEM) has become a key experimental method in structural biology for a broad spectrum of biological specimens from molecules to cells. The EMDataBank project provides a unified portal for deposition, retrieval and analysis of 3DEM density maps, atomic models and associated metadata (emdatabank.org). We provide here an overview of the rapidly growing 3DEM structural data archives, which include maps in EM Data Bank and map-derived models in the Protein Data Bank. In addition, we describe progress and approaches toward development of validation protocols and methods, working with the scientific community, in order to create a validation pipeline for 3DEM data. © The Author(s) 2015. Published by Oxford University Press on behalf of Nucleic Acids Research.

  11. Models for financial crisis detection in Indonesia based on bank deposits, real exchange rate and terms of trade indicators

    NASA Astrophysics Data System (ADS)

    Sugiyanto; Zukhronah, Etik; Nur Aini, Anis

    2017-12-01

    Several times Indonesia has experienced to face a financial crisis, but the crisis occurred in 1997 had a tremendous impact on the economy and national stability. The impact of the crisis fall the exchange rate of rupiah against the dollar so it is needed the financial crisis detection system. Some data of bank deposits, real exchange rate and terms of trade indicators are used in this paper. Data taken from January 1990 until December 2016 are used to form the models with three state. Combination of volatility and Markov switching models are used to model the data. The result suggests that the appropriate model for bank deposit and terms of trade is SWARCH (3,1), and for real exchange rates is SWARCH (3,2).

  12. Improvements in Quantifying Bank Erosion for Sediment Budgets within the Chesapeake Bay Watershed by Integrating Structure-From-Motion Photogrammetry

    NASA Astrophysics Data System (ADS)

    Bell, J. M.; Cashman, M. J.; Nibert, L.; Jackson, S.

    2017-12-01

    Fine sediment is a major source of pollution due to its ability to attenuate light, smother habitat, and sorb and transport nutrients, such as phosphorus and nitrogen. Piedmont streams in the Mid-Atlantic region of the United States are frequently characterized as incised with steep, highly erodible banks of legacy sediment that can contribute to high sediment loads. Multiple sediment fingerprinting studies in this region have demonstrated that stream banks can contribute a large proportion of the total sediment load, but stream banks are frequently overlooked in sediment delivery models and Total Maximum Daily Load allocations. The direct quantification of bank erosion is therefore essential to producing accurate sediment budgets, which are needed to inform the targeted mitigation and remediation of degraded fluvial systems. This study contrasts the use of traditional bank pin measurements, structure-from-motion photogrammetric techniques, and aerial LIDAR at sites within Maryland, USA. Bank pin measurements, representing only single points in space, were found to be highly variable with subjective initial placement often missing nearby, large-scale bank failures. In contrast, photogrammetric techniques, using structure-from-motion, were able to capture a more spatially-complete streambank profile. Using a Nikon D810 camera, bank scans were able to reconstruct banks with a RMSE as low as 0.1mm and repeat scan alignment resolution of <2mm. However, during summer months, photogrammetry exhibited some coverage gaps in areas of high vegetation density. Difference-maps rendered from multiple UAV structure-from-motion scans provided an ability to rapidly assess changes to river channel morphology during leaf-off conditions. Additionally, UAV-derived scans were georeferenced over historical LIDAR data to evaluate historical bank-erosion over multi-year timescales. Future work will include difference mapping channel features at watershed scales. This photogrammetric approach of quantifying geomorphic change, when coupled with bank-sediment bulk density, has promise to accurately quantify volumetric change as well as sediment loads originating from bank erosion, and may provide valuable data of the quantification of bank erosion for incorporation into regional sediment models.

  13. Wave basin model tests of technical-biological bank protection

    NASA Astrophysics Data System (ADS)

    Eisenmann, J.

    2012-04-01

    Sloped embankments of inland waterways are usually protected from erosion and other negative im-pacts of ship-induced hydraulic loads by technical revetments consisting of riprap. Concerning the dimensioning of such bank protection there are several design rules available, e.g. the "Principles for the Design of Bank and Bottom Protection for Inland Waterways" or the Code of Practice "Use of Standard Construction Methods for Bank and Bottom Protection on Waterways" issued by the BAW (Federal Waterways Engineering and Research Institute). Since the European Water Framework Directive has been put into action special emphasis was put on natural banks. Therefore the application of technical-biological bank protection is favoured. Currently design principles for technical-biological bank protection on inland waterways are missing. The existing experiences mainly refer to flowing waters with no or low ship-induced hydraulic loads on the banks. Since 2004 the Federal Waterways Engineering and Research Institute has been tracking the re-search and development project "Alternative Technical-Biological Bank Protection on Inland Water-ways" in company with the Federal Institute of Hydrology. The investigation to date includes the ex-amination of waterway sections where technical- biological bank protection is applied locally. For the development of design rules for technical-biological bank protection investigations shall be carried out in a next step, considering the mechanics and resilience of technical-biological bank protection with special attention to ship-induced hydraulic loads. The presentation gives a short introduction into hydraulic loads at inland waterways and their bank protection. More in detail model tests of a willow brush mattress as a technical-biological bank protec-tion in a wave basin are explained. Within the scope of these tests the brush mattresses were ex-posed to wave impacts to determine their resilience towards hydraulic loads. Since the developing pore water pressure is significant considering the slope stability under hydraulic load, particular atten-tion is paid to the interaction of willow roots and pore water pressure. Furthermore the occurring ero-sion is determined. The methods of measurements, test conditions and executions as well as first results will be presented.

  14. 12 CFR Appendix H to Part 226 - Closed-End Model Forms and Clauses

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 12 Banks and Banking 3 2010-01-01 2010-01-01 false Closed-End Model Forms and Clauses H Appendix H... RESERVE SYSTEM TRUTH IN LENDING (REGULATION Z) Pt. 226, App. H Appendix H to Part 226—Closed-End Model Forms and Clauses H-1—Credit Sale Model Form (§ 226.18) H-2—Loan Model Form (§ 226.18) H-3—Amount...

  15. Assessing efficiency and effectiveness of Malaysian Islamic banks: A two stage DEA analysis

    NASA Astrophysics Data System (ADS)

    Kamarudin, Norbaizura; Ismail, Wan Rosmanira; Mohd, Muhammad Azri

    2014-06-01

    Islamic banks in Malaysia are indispensable players in the financial industry with the growing needs for syariah compliance system. In the banking industry, most recent studies concerned only on operational efficiency. However rarely on the operational effectiveness. Since the production process of banking industry can be described as a two-stage process, two-stage Data Envelopment Analysis (DEA) can be applied to measure the bank performance. This study was designed to measure the overall performance in terms of efficiency and effectiveness of Islamic banks in Malaysia using Two-Stage DEA approach. This paper presents analysis of a DEA model which split the efficiency and effectiveness in order to evaluate the performance of ten selected Islamic Banks in Malaysia for the financial year period ended 2011. The analysis shows average efficient score is more than average effectiveness score thus we can say that Malaysian Islamic banks were more efficient rather than effective. Furthermore, none of the bank exhibit best practice in both stages as we can say that a bank with better efficiency does not always mean having better effectiveness at the same time.

  16. Orthonormal filters for identification in active control systems

    NASA Astrophysics Data System (ADS)

    Mayer, Dirk

    2015-12-01

    Many active noise and vibration control systems require models of the control paths. When the controlled system changes slightly over time, adaptive digital filters for the identification of the models are useful. This paper aims at the investigation of a special class of adaptive digital filters: orthonormal filter banks possess the robust and simple adaptation of the widely applied finite impulse response (FIR) filters, but at a lower model order, which is important when considering implementation on embedded systems. However, the filter banks require prior knowledge about the resonance frequencies and damping of the structure. This knowledge can be supposed to be of limited precision, since in many practical systems, uncertainties in the structural parameters exist. In this work, a procedure using a number of training systems to find the fixed parameters for the filter banks is applied. The effect of uncertainties in the prior knowledge on the model error is examined both with a basic example and in an experiment. Furthermore, the possibilities to compensate for the imprecise prior knowledge by a higher filter order are investigated. Also comparisons with FIR filters are implemented in order to assess the possible advantages of the orthonormal filter banks. Numerical and experimental investigations show that significantly lower computational effort can be reached by the filter banks under certain conditions.

  17. Stability of aggregates in the environment: role of solid bridging

    NASA Astrophysics Data System (ADS)

    Seiphoori, A.; Jerolmack, D. J.; Arratia, P. E.

    2017-12-01

    Colloids in suspension may form larger flocs under favorable conditions, via diffusion- or reaction-limited aggregation. In addition, the process of drying colloidal suspensions drives colloids together via hydrodynamic forces to form aggregates, that may be stable or unstable when subject to re-wetting and transport. Channel banks, shorelines and hillslopes are examples where the periodic wetting and drying results in the aggregation of muds. If aggregates disperse, the mud structure is unstable to subsequent wetting or fluid shear and can easily be detached and transported to rivers and coasts. The effective friction that governs hillslope and channel-bank soil creep rates also depends on the stability of the soil aggregates. Yet, few studies probe the particle-scale assembly or stability of aggregates subject to environmental loads, and the effects of shape or size heterogeneity have not been examined in detail. Here we investigate the formation and stability of aggregates subject to passive re-wetting (by misting) and shearing using a simple Poiseuille flow in a microfluidic device. We study the kinetics of a wide range of silicate colloids of different size and surface charge properties using in situ microscopy and particle tracking. We find that negatively charged silica microspheres are dragged by the retreating edge of an evaporating drop and are resuspended easily on re-wetting, showing that aggregates are unstable. In contrast, a bi-disperse suspension created by the addition of silica nanoparticles forms stable deposits, where nanoparticles bind larger particles by bridging the interparticle space, a mechanism similar to capillary bridging that we refer to as "solid bridging." Although aggregate structure and dynamics of the bi-disperse system changes quantitatively with surface-charge of the nanoparticles, smaller particles always conferred stability on the aggregates. Investigation of other colloids, including asbestos fibers and various clays, reveals that this solid bridging effect is robust across variations in particle shape and material composition. These experiments suggest that natural mud and soil may form more stable aggregates than would naively be expected by considering the charge effects alone, because their inherent size heterogeneity is conducive to solid bridging.

  18. Construction of a microscopic agent-based model for firms' dynamics

    NASA Astrophysics Data System (ADS)

    Iyetomi, Hiroshi; Aoyama, Hideaki; Fujiwara, Yoshi; Ikeda, Yuichi; Kaizoji, Taisei; Soma, Wataru

    2005-07-01

    A workable microscopic model for firms' dynamics has been constructed. The model consists of firm agents and a bank agent dynamics of which are described by balance sheets. The size distribution of firms and the temporal evolution of the bank show critical dependence on whether or not firms use perfect information on their financial conditions to draw up next production plans.

  19. A comparison of DEA and SFA using micro- and macro-level perspectives: Efficiency of Chinese local banks

    NASA Astrophysics Data System (ADS)

    Silva, Thiago Christiano; Tabak, Benjamin Miranda; Cajueiro, Daniel Oliveira; Dias, Marina Villas Boas

    2017-03-01

    This study investigates to which extent results produced by a single frontier model are reliable, based on the application of data envelopment analysis and stochastic frontier approach to a sample of Chinese local banks. Our findings show they produce a consistent trend on global efficiency scores over the years. However, rank correlations indicate they diverge with respect to individual performance diagnoses. Therefore, these models provide steady information on the efficiency of the banking system as a whole, but they become divergent at the individual level.

  20. 12 CFR Appendix G to Part 226 - Open-End Model Forms and Clauses

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... 12 Banks and Banking 3 2012-01-01 2012-01-01 false Open-End Model Forms and Clauses G Appendix G... RESERVE SYSTEM TRUTH IN LENDING (REGULATION Z) Pt. 226, App. G Appendix G to Part 226—Open-End Model Forms and Clauses G-1Balance Computation Methods Model Clauses (Home-equity Plans) (§§ 226.6 and 226.7) G-1...

  1. 12 CFR Appendix C to Part 571 - Model Forms for Opt-Out Notices

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... 12 Banks and Banking 6 2014-01-01 2012-01-01 true Model Forms for Opt-Out Notices C Appendix C to... REPORTING Pt. 571, App. C Appendix C to Part 571—Model Forms for Opt-Out Notices a. Although use of the... comply with § 571.23(a)(2) of this part. C-1Model Form for Initial Opt-out Notice (Single-Affiliate...

  2. 12 CFR Appendix C to Part 571 - Model Forms for Opt-Out Notices

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 12 Banks and Banking 5 2011-01-01 2011-01-01 false Model Forms for Opt-Out Notices C Appendix C to... REPORTING Pt. 571, App. C Appendix C to Part 571—Model Forms for Opt-Out Notices a. Although use of the... comply with § 571.23(a)(2) of this part. C-1Model Form for Initial Opt-out Notice (Single-Affiliate...

  3. 12 CFR Appendix C to Part 717 - Model Forms for Opt-Out Notices

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... 12 Banks and Banking 7 2013-01-01 2013-01-01 false Model Forms for Opt-Out Notices C Appendix C to... FAIR CREDIT REPORTING Pt. 717, App. C Appendix C to Part 717—Model Forms for Opt-Out Notices a... the treatment of opt-outs by joint consumers to comply with § 717.23(a)(2) of this part. C-1Model Form...

  4. 12 CFR Appendix C to Part 571 - Model Forms for Opt-Out Notices

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... 12 Banks and Banking 6 2013-01-01 2012-01-01 true Model Forms for Opt-Out Notices C Appendix C to... REPORTING Pt. 571, App. C Appendix C to Part 571—Model Forms for Opt-Out Notices a. Although use of the... comply with § 571.23(a)(2) of this part. C-1Model Form for Initial Opt-out Notice (Single-Affiliate...

  5. 12 CFR Appendix C to Part 222 - Model Forms for Opt-Out Notices

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 12 Banks and Banking 3 2011-01-01 2011-01-01 false Model Forms for Opt-Out Notices C Appendix C to... SYSTEM FAIR CREDIT REPORTING (REGULATION V) Pt. 222, App. C Appendix C to Part 222—Model Forms for Opt... of opt-outs by joint consumers to comply with § 222.23(a)(2) of this part. C-1Model Form for Initial...

  6. 12 CFR Appendix C to Part 717 - Model Forms for Opt-Out Notices

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 12 Banks and Banking 6 2011-01-01 2011-01-01 false Model Forms for Opt-Out Notices C Appendix C to... FAIR CREDIT REPORTING Pt. 717, App. C Appendix C to Part 717—Model Forms for Opt-Out Notices a... the treatment of opt-outs by joint consumers to comply with § 717.23(a)(2) of this part. C-1Model Form...

  7. Integrated fate modeling for exposure assessment of produced water on the Sable Island Bank (Scotian shelf, Canada).

    PubMed

    Berry, Jody A; Wells, Peter G

    2004-10-01

    Produced water is the largest waste discharge from the production phase of oil and gas wells. Produced water is a mixture of reservoir formation water and production chemicals from the separation process. This creates a chemical mixture that has several components of toxic concern, ranging from heavy metals to soluble hydrocarbons. Analysis of potential environmental effects from produced water in the Sable Island Bank region (NS, Canada) was conducted using an integrated modeling approach according to the ecological risk assessment framework. A hydrodynamic dispersion model was used to describe the wastewater plume. A second fugacity-based model was used to describe the likely plume partitioning in the local environmental media of water, suspended sediment, biota, and sediment. Results from the integrated modeling showed that the soluble benzene and naphthalene components reach chronic no-effect concentration levels at a distance of 1.0 m from the discharge point. The partition modeling indicated that low persistence was expected because of advection forces caused by tidal currents for the Sable Island Bank system. The exposure assessment for the two soluble hydrocarbon components suggests that the risks of adverse environmental effects from produced water on Sable Island Bank are low.

  8. WBVTE Talent Pool/Job Bank Model. Five Month Report.

    ERIC Educational Resources Information Center

    Davis, Ellen Rulseh

    This report summarizes steps in the evolution and implementation of a computerized talent pool/job bank model developed primarily to assist women and minorities in the identification of and placement in leadership positions in vocational administration. Included in the report are chapters on recruiting participants for the talent pool, encouraging…

  9. Domestic Banks in Bangladesh Could Ensure Efficiency by Improving Human Resource Management Practices

    PubMed Central

    Muhammad Masum, Abdul Kadar; Azad, Md. Abul Kalam; Hoque, Kazi Enamul; Beh, Loo-See

    2015-01-01

    The paper aims to examine the influence of human resource management (HRM) practices on bank efficiency using Malmquist index of total factor productivity. The model comprises HRM index that represents the quality of HRM practices. The results are decomposed into three efficiency scores, namely, technical efficiency, pure efficiency, and scale efficiency. In this study, panel data for 44 banks in Bangladesh are used for the period 2008-2013. This paper reveals that foreign banks are ahead in converting the influence of HRM practices into efficiency scores (0.946>0.833). On the other hand, domestic banks performed better than foreign banks in terms of pure efficiency and scale efficiency. But, in terms of technical efficiency, the domestic banks are regressed by 6.7% annually whereas foreign banks are progressed with a yearly value of 5.8%. The results are robust, because the Mann-Whitney test and Kruskall-Wallis test (non-parametric tests) also confirm the same results. This study emphasizes HRM practices in the banking industry to ensure efficiency in the long-term scenario. Domestic banks are suggested to ensure continuous development in HRM practices in order to compete with foreign banks. PMID:26221727

  10. Domestic Banks in Bangladesh Could Ensure Efficiency by Improving Human Resource Management Practices.

    PubMed

    Masum, Abdul Kadar Muhammad; Azad, Md Abul Kalam; Hoque, Kazi Enamul; Beh, Loo-See

    2015-01-01

    The paper aims to examine the influence of human resource management (HRM) practices on bank efficiency using Malmquist index of total factor productivity. The model comprises HRM index that represents the quality of HRM practices. The results are decomposed into three efficiency scores, namely, technical efficiency, pure efficiency, and scale efficiency. In this study, panel data for 44 banks in Bangladesh are used for the period 2008-2013. This paper reveals that foreign banks are ahead in converting the influence of HRM practices into efficiency scores (0.946>0.833). On the other hand, domestic banks performed better than foreign banks in terms of pure efficiency and scale efficiency. But, in terms of technical efficiency, the domestic banks are regressed by 6.7% annually whereas foreign banks are progressed with a yearly value of 5.8%. The results are robust, because the Mann-Whitney test and Kruskall-Wallis test (non-parametric tests) also confirm the same results. This study emphasizes HRM practices in the banking industry to ensure efficiency in the long-term scenario. Domestic banks are suggested to ensure continuous development in HRM practices in order to compete with foreign banks.

  11. Calibration and Validation of the Dutch-Flemish PROMIS Pain Interference Item Bank in Patients with Chronic Pain

    PubMed Central

    Crins, Martine H. P.; Roorda, Leo D.; Smits, Niels; de Vet, Henrica C. W.; Westhovens, Rene; Cella, David; Cook, Karon F.; Revicki, Dennis; van Leeuwen, Jaap; Boers, Maarten; Dekker, Joost; Terwee, Caroline B.

    2015-01-01

    The Dutch-Flemish PROMIS Group translated the adult PROMIS Pain Interference item bank into Dutch-Flemish. The aims of the current study were to calibrate the parameters of these items using an item response theory (IRT) model, to evaluate the cross-cultural validity of the Dutch-Flemish translations compared to the original English items, and to evaluate their reliability and construct validity. The 40 items in the bank were completed by 1085 Dutch chronic pain patients. Before calibrating the items, IRT model assumptions were evaluated using confirmatory factor analysis (CFA). Items were calibrated using the graded response model (GRM), an IRT model appropriate for items with more than two response options. To evaluate cross-cultural validity, differential item functioning (DIF) for language (Dutch vs. English) was examined. Reliability was evaluated based on standard errors and Cronbach’s alpha. To evaluate construct validity correlations with scores on legacy instruments (e.g., the Disabilities of the Arm, Shoulder and Hand Questionnaire) were calculated. Unidimensionality of the Dutch-Flemish PROMIS Pain Interference item bank was supported by CFA tests of model fit (CFI = 0.986, TLI = 0.986). Furthermore, the data fit the GRM and showed good coverage across the pain interference continuum (threshold-parameters range: -3.04 to 3.44). The Dutch-Flemish PROMIS Pain Interference item bank has good cross-cultural validity (only two out of 40 items showing DIF), good reliability (Cronbach’s alpha = 0.98), and good construct validity (Pearson correlations between 0.62 and 0.75). A computer adaptive test (CAT) and Dutch-Flemish PROMIS short forms of the Dutch-Flemish PROMIS Pain Interference item bank can now be developed. PMID:26214178

  12. Calibration and Validation of the Dutch-Flemish PROMIS Pain Interference Item Bank in Patients with Chronic Pain.

    PubMed

    Crins, Martine H P; Roorda, Leo D; Smits, Niels; de Vet, Henrica C W; Westhovens, Rene; Cella, David; Cook, Karon F; Revicki, Dennis; van Leeuwen, Jaap; Boers, Maarten; Dekker, Joost; Terwee, Caroline B

    2015-01-01

    The Dutch-Flemish PROMIS Group translated the adult PROMIS Pain Interference item bank into Dutch-Flemish. The aims of the current study were to calibrate the parameters of these items using an item response theory (IRT) model, to evaluate the cross-cultural validity of the Dutch-Flemish translations compared to the original English items, and to evaluate their reliability and construct validity. The 40 items in the bank were completed by 1085 Dutch chronic pain patients. Before calibrating the items, IRT model assumptions were evaluated using confirmatory factor analysis (CFA). Items were calibrated using the graded response model (GRM), an IRT model appropriate for items with more than two response options. To evaluate cross-cultural validity, differential item functioning (DIF) for language (Dutch vs. English) was examined. Reliability was evaluated based on standard errors and Cronbach's alpha. To evaluate construct validity correlations with scores on legacy instruments (e.g., the Disabilities of the Arm, Shoulder and Hand Questionnaire) were calculated. Unidimensionality of the Dutch-Flemish PROMIS Pain Interference item bank was supported by CFA tests of model fit (CFI = 0.986, TLI = 0.986). Furthermore, the data fit the GRM and showed good coverage across the pain interference continuum (threshold-parameters range: -3.04 to 3.44). The Dutch-Flemish PROMIS Pain Interference item bank has good cross-cultural validity (only two out of 40 items showing DIF), good reliability (Cronbach's alpha = 0.98), and good construct validity (Pearson correlations between 0.62 and 0.75). A computer adaptive test (CAT) and Dutch-Flemish PROMIS short forms of the Dutch-Flemish PROMIS Pain Interference item bank can now be developed.

  13. Trusted Insiders Are Committing Fraud and Embezzlement Within Organizations: Is There a Connection to Addiction, as the Motivating Factor for Their Illegal Activities?

    DTIC Science & Technology

    2014-06-01

    Wagers Top $1B,” Associated Press, accessed September 30, 2013, http://bigstory.ap.org/ article/ex-san-diego-mayor-faces- money - laundering -charge...their finances or a multitude of people monitoring money coming in and out of the organization. The most common victims of insider fraud and... Money ; A Study in the Social Psychology of Embezzlement; Cappelli et al., “Insider Threat Study: Illicit Cyber Activity in the Banking and Finance

  14. European Science Notes Information Bulletin Report on Current European/ Middle Eastern Science

    DTIC Science & Technology

    1990-08-01

    evolved from pulse- power research activities generators charged by low-inductance, Marx-bank dating from the early 1960s at the Institute of Nuclear...Pulse Power at ISE tion rates up to 25 Hz. While I saw one of these gener- ators at ISE hooked to a microwave generator and The ISE has a very active ...program on repetitive pulse photographs for a commercial brochure, I have not seen power based upon oil-dielectric transformer technology, the output

  15. Design and development of compact pulsed power driver for electron beam experiments

    DOE Office of Scientific and Technical Information (OSTI.GOV)

    Deb, Pankaj; Sharma, S.K.; Adhikary, B.

    2014-07-01

    Pulsed electron beam generation requires high power pulses of fast rise, short duration pulse with flat top. With this objective we have designed a low cost compact pulsed power driver based on water dielectric transmission line. The paper describes the design aspects and construction of the pulse power driver and its experimental results. The pulsed power driver consist of a capacitor bank and its charging power supply, high voltage generator, high voltage switch and pulse compression system. (author)

  16. Modeling cross-correlations and efficiency of Islamic and conventional banks from Saudi Arabia: Evidence from MF-DFA and MF-DXA approaches

    NASA Astrophysics Data System (ADS)

    Mensi, Walid; Hamdi, Atef; Shahzad, Syed Jawad Hussain; Shafiullah, Muhammad; Al-Yahyaee, Khamis Hamed

    2018-07-01

    This paper analyzes the dynamic efficiency and interdependence of Islamic and conventional banks of Saudi Arabia. This analysis applies the Multifractal Detrended Fluctuation Analysis (MF-DFA) and Multifractal Detrended Cross-Correlation Analysis (MF-DXA) approaches. The MF-DFA results show strong multifractality in the daily returns of Saudi banks. Moreover, all eight banks studied exhibit persistence correlation, which demonstrates inefficiency. The rolling window results show significant change in the inefficiency levels over the time. The cross-correlation analysis between bank-pairs exhibits long term interdependence between most of them. These findings indicate that the banking sector in Saudi Arabia suffers from inefficiency and exhibits long term memory.

  17. Grameen Banks. Digest Number 97-6.

    ERIC Educational Resources Information Center

    Foote, Elizabeth

    Grameen Banks are a model of successful support for the smallest businesses. The Grameen Bank began in 1976, when Muhammad Yunus, an economics professor at Chittagong University in southern Bangladesh, loaned Sufiya Khatun, a weaver of bamboo stools, $4 U.S. to buy supplies and raise her daily profit from 2 cents to $1.25. Her success prompted…

  18. Charge-Spot Model for Electrostatic Forces in Simulation of Fine Particulates

    NASA Technical Reports Server (NTRS)

    Walton, Otis R.; Johnson, Scott M.

    2010-01-01

    The charge-spot technique for modeling the static electric forces acting between charged fine particles entails treating electric charges on individual particles as small sets of discrete point charges, located near their surfaces. This is in contrast to existing models, which assume a single charge per particle. The charge-spot technique more accurately describes the forces, torques, and moments that act on triboelectrically charged particles, especially image-charge forces acting near conducting surfaces. The discrete element method (DEM) simulation uses a truncation range to limit the number of near-neighbor charge spots via a shifted and truncated potential Coulomb interaction. The model can be readily adapted to account for induced dipoles in uncharged particles (and thus dielectrophoretic forces) by allowing two charge spots of opposite signs to be created in response to an external electric field. To account for virtual overlap during contacts, the model can be set to automatically scale down the effective charge in proportion to the amount of virtual overlap of the charge spots. This can be accomplished by mimicking the behavior of two real overlapping spherical charge clouds, or with other approximate forms. The charge-spot method much more closely resembles real non-uniform surface charge distributions that result from tribocharging than simpler approaches, which just assign a single total charge to a particle. With the charge-spot model, a single particle may have a zero net charge, but still have both positive and negative charge spots, which could produce substantial forces on the particle when it is close to other charges, when it is in an external electric field, or when near a conducting surface. Since the charge-spot model can contain any number of charges per particle, can be used with only one or two charge spots per particle for simulating charging from solar wind bombardment, or with several charge spots for simulating triboelectric charging. Adhesive image-charge forces acting on charged particles touching conducting surfaces can be up to 50 times stronger if the charge is located in discrete spots on the particle surface instead of being distributed uniformly over the surface of the particle, as is assumed by most other models. Besides being useful in modeling particulates in space and distant objects, this modeling technique is useful for electrophotography (used in copiers) and in simulating the effects of static charge in the pulmonary delivery of fine dry powders.

  19. PrPC Governs Susceptibility to Prion Strains in Bank Vole, While Other Host Factors Modulate Strain Features.

    PubMed

    Espinosa, J C; Nonno, R; Di Bari, M; Aguilar-Calvo, P; Pirisinu, L; Fernández-Borges, N; Vanni, I; Vaccari, G; Marín-Moreno, A; Frassanito, P; Lorenzo, P; Agrimi, U; Torres, J M

    2016-12-01

    Bank vole is a rodent species that shows differential susceptibility to the experimental transmission of different prion strains. In this work, the transmission features of a panel of diverse prions with distinct origins were assayed both in bank vole expressing methionine at codon 109 (Bv109M) and in transgenic mice expressing physiological levels of bank vole PrP C (the BvPrP-Tg407 mouse line). This work is the first systematic comparison of the transmission features of a collection of prion isolates, representing a panel of diverse prion strains, in a transgenic-mouse model and in its natural counterpart. The results showed very similar transmission properties in both the natural species and the transgenic-mouse model, demonstrating the key role of the PrP amino acid sequence in prion transmission susceptibility. However, differences in the PrP Sc types propagated by Bv109M and BvPrP-Tg407 suggest that host factors other than PrP C modulate prion strain features. The differential susceptibility of bank voles to prion strains can be modeled in transgenic mice, suggesting that this selective susceptibility is controlled by the vole PrP sequence alone rather than by other species-specific factors. Differences in the phenotypes observed after prion transmissions in bank voles and in the transgenic mice suggest that host factors other than the PrP C sequence may affect the selection of the substrain replicating in the animal model. Copyright © 2016, American Society for Microbiology. All Rights Reserved.

  20. Wireless power transfer electric vehicle supply equipment installation and validation tool

    DOEpatents

    Jones, Perry T.; Miller, John M.

    2015-05-19

    A transmit pad inspection device includes a magnetic coupling device, which includes an inductive circuit that is configured to magnetically couple to a primary circuit of a charging device in a transmit pad through an alternating current (AC) magnetic field. The inductive circuit functions as a secondary circuit for a set of magnetically coupled coils. The magnetic coupling device further includes a rectification circuit, and includes a controllable load bank or is configured to be connected to an external controllable load back. The transmit pad inspection device is configured to determine the efficiency of power transfer under various coupling conditions. In addition, the transmit pad inspection device can be configured to measure residual magnetic field and the frequency of the input current, and to determine whether the charging device has been installed properly.

  1. A Cobb Douglas Stochastic Frontier Model on Measuring Domestic Bank Efficiency in Malaysia

    PubMed Central

    Hasan, Md. Zobaer; Kamil, Anton Abdulbasah; Mustafa, Adli; Baten, Md. Azizul

    2012-01-01

    Banking system plays an important role in the economic development of any country. Domestic banks, which are the main components of the banking system, have to be efficient; otherwise, they may create obstacle in the process of development in any economy. This study examines the technical efficiency of the Malaysian domestic banks listed in the Kuala Lumpur Stock Exchange (KLSE) market over the period 2005–2010. A parametric approach, Stochastic Frontier Approach (SFA), is used in this analysis. The findings show that Malaysian domestic banks have exhibited an average overall efficiency of 94 percent, implying that sample banks have wasted an average of 6 percent of their inputs. Among the banks, RHBCAP is found to be highly efficient with a score of 0.986 and PBBANK is noted to have the lowest efficiency with a score of 0.918. The results also show that the level of efficiency has increased during the period of study, and that the technical efficiency effect has fluctuated considerably over time. PMID:22900009

  2. A Cobb Douglas stochastic frontier model on measuring domestic bank efficiency in Malaysia.

    PubMed

    Hasan, Md Zobaer; Kamil, Anton Abdulbasah; Mustafa, Adli; Baten, Md Azizul

    2012-01-01

    Banking system plays an important role in the economic development of any country. Domestic banks, which are the main components of the banking system, have to be efficient; otherwise, they may create obstacle in the process of development in any economy. This study examines the technical efficiency of the Malaysian domestic banks listed in the Kuala Lumpur Stock Exchange (KLSE) market over the period 2005-2010. A parametric approach, Stochastic Frontier Approach (SFA), is used in this analysis. The findings show that Malaysian domestic banks have exhibited an average overall efficiency of 94 percent, implying that sample banks have wasted an average of 6 percent of their inputs. Among the banks, RHBCAP is found to be highly efficient with a score of 0.986 and PBBANK is noted to have the lowest efficiency with a score of 0.918. The results also show that the level of efficiency has increased during the period of study, and that the technical efficiency effect has fluctuated considerably over time.

  3. 40 CFR 91.1302 - Definitions.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... engine families within a given manufacturer's product line. Banking means the retention of marine engine... production/sales volume as contained in the end of model year in-use testing reports submitted to EPA. Some or all of these banked credits may be revoked if EPA review of the end of model year in-use testing...

  4. Scaling and Predicting the Geotechnical Resistance Provided by Alfalfa in Experimental Studies of Alluvial-Channel Morphology and Planform

    NASA Astrophysics Data System (ADS)

    Bankhead, N.; Simon, A.

    2008-12-01

    Several complex interactions occur between riparian vegetation and bank stability processes. Although there are both positive and negative effects of riparian vegetation on streambank stability, a link between increased vegetation density and decreased bank erosion and lateral migration rates of channels has generally been recorded. The ability of vegetation to promote increased bank stability leads to a positive feedback, in which bank stability then allows the growth and establishment of more vegetation. To study interactions between vegetation density and channel planform, past flume studies have used alfalfa sprouts (Medicago sativa), seeded over the entire floodplain in varying densities. Such studies have observed reductions in braiding intensity with increased alfalfa density. It has been assumed in these studies that the alfalfa sprouts increase the resistance of the bank material to lateral erosion. When alfalfa sprouts are scaled up they simulate mature riparian trees well. However, the geotechnical properties of alfalfa roots, and quantification of the increase in resistance provided to the banks under different densities of alfalfa have thus far been ignored. It is therefore unknown if the resistance provided by the alfalfa roots also scales well to real-world root-reinforcement values. To quantify additional bank strength, alfalfa sprouts were grown in sand and the roots tested at regular intervals to measure tensile strength. Results of tensile-strength measurements for alfalfa sprouts displayed the typical non-linear decrease of tensile strength (in MPa) with increasing root diameter. Values for the additional cohesion provided by alfalfa roots were calculated by inputting alfalfa tensile-strength and root density data to the root-reinforcement model, RipRoot, resulting in root-reinforcement values of 0 to 11.8 kPa. These values are similar to those that would be expected under field conditions. The root-cohesion values calculated for alfalfa sprouts were then used in conjunction with the Bank Stability and Toe Erosion Model (BSTEM), and a series of laboratory experiments, to evaluate if the factor of safety (FS) of experimental channels lined with different densities of alfalfa could be predicted. Sand banks ranging in height from 1.25 to 3.75 cm were modeled and tested experimentally for cases with different groundwater heights and flow depths in the channel, and with cohesion due to roots being scaled appropriately using a length reduction factor. Model results showed that for alfalfa stem densities ranging from 0 to 10 stems/cm2, bank FS ranged from 0.60 to 1.87 and from 0.60 to 1.12 for 1.25 cm and 3.75 cm-high banks respectively. Preliminary results of the laboratory experiments have successfully shown that if cohesion due to roots calculated from the RipRoot model is scaled appropriately, the stability of experimental channels lined with alfalfa of different densities can be predicted. By quantifying the geotechnical resistance of banks during such studies, more accurate predictions of the conditions necessary to create meandering versus braided channel planforms, and the feedback between channel planform and vegetation density in both experimental and real-world scenarios may now be possible.

  5. Tissue banking in australia.

    PubMed

    Ireland, Lynette; McKelvie, Helen

    2003-01-01

    The legal structure for the regulation of tissue banking has existed for many years. In Australia, the donation of human tissue is regulated by legislation in each of the eight States and Territories. These substantially uniform Acts were passed in the late 1970's and early 1980's, based on model legislation and underpinned by the concept of consensual giving. However, it was not until the early 1990's that tissue banking came under the notice of regulatory authorities. Since then the Australian Government has moved quickly to oversee the tissue banking sector in Australia. Banked human tissue has been deemed to be a therapeutic good under the Therapeutic Goods Act 1989, and tissue banks are required to be licensed by the Therapeutic Goods Administration and are audited for compliance with the Code of Good Manufacturing Practice- Human Blood and Tissues. In addition, tissue banks must comply with a myriad of other standards, guidelines and recommendations.

  6. Effects of Calibration Sample Size and Item Bank Size on Ability Estimation in Computerized Adaptive Testing

    ERIC Educational Resources Information Center

    Sahin, Alper; Weiss, David J.

    2015-01-01

    This study aimed to investigate the effects of calibration sample size and item bank size on examinee ability estimation in computerized adaptive testing (CAT). For this purpose, a 500-item bank pre-calibrated using the three-parameter logistic model with 10,000 examinees was simulated. Calibration samples of varying sizes (150, 250, 350, 500,…

  7. Teaching Undergraduate Money and Banking: T-Bill Auctions and Stock Market Models

    ERIC Educational Resources Information Center

    Saros, Daniel E.

    2009-01-01

    The author offers innovative approaches to 3 topics that are typically only briefly mentioned (if at all) in money and banking courses. The first topic is a Treasury bill auction experiment in which students have an opportunity to participate directly. The results from a class of 14 money and banking students are used to explain how an instructor…

  8. 17 CFR 240.17i-2 - Notice of intention to be supervised by the Commission as a supervised investment bank holding...

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... or controls a broker or dealer that maintains a substantial presence in the securities business as...) Supplemental information including: (i) A description of the business and organization of the investment bank... description of mathematical models that the investment bank holding company proposes to use to price positions...

  9. Calibration of an Item Bank for the Assessment of Basque Language Knowledge

    ERIC Educational Resources Information Center

    Lopez-Cuadrado, Javier; Perez, Tomas A.; Vadillo, Jose A.; Gutierrez, Julian

    2010-01-01

    The main requisite for a functional computerized adaptive testing system is the need of a calibrated item bank. This text presents the tasks carried out during the calibration of an item bank for assessing knowledge of Basque language. It has been done in terms of the 3-parameter logistic model provided by the item response theory. Besides, this…

  10. Aerodynamic data banks for Clark-Y, NACA 4-digit and NACA 16-series airfoil families

    NASA Technical Reports Server (NTRS)

    Korkan, K. D.; Camba, J., III; Morris, P. M.

    1986-01-01

    With the renewed interest in propellers as means of obtaining thrust and fuel efficiency in addition to the increased utilization of the computer, a significant amount of progress was made in the development of theoretical models to predict the performance of propeller systems. Inherent in the majority of the theoretical performance models to date is the need for airfoil data banks which provide lift, drag, and moment coefficient values as a function of Mach number, angle-of-attack, maximum thickness to chord ratio, and Reynolds number. Realizing the need for such data, a study was initiated to provide airfoil data banks for three commonly used airfoil families in propeller design and analysis. The families chosen consisted of the Clark-Y, NACA 16 series, and NACA 4 digit series airfoils. The various component of each computer code, the source of the data used to create the airfoil data bank, the limitations of each data bank, program listing, and a sample case with its associated input-output are described. Each airfoil data bank computer code was written to be used on the Amdahl Computer system, which is IBM compatible and uses Fortran.

  11. A stable systemic risk ranking in China's banking sector: Based on principal component analysis

    NASA Astrophysics Data System (ADS)

    Fang, Libing; Xiao, Binqing; Yu, Honghai; You, Qixing

    2018-02-01

    In this paper, we compare five popular systemic risk rankings, and apply principal component analysis (PCA) model to provide a stable systemic risk ranking for the Chinese banking sector. Our empirical results indicate that five methods suggest vastly different systemic risk rankings for the same bank, while the combined systemic risk measure based on PCA provides a reliable ranking. Furthermore, according to factor loadings of the first component, PCA combined ranking is mainly based on fundamentals instead of market price data. We clearly find that price-based rankings are not as practical a method as fundamentals-based ones. This PCA combined ranking directly shows systemic risk contributions of each bank for banking supervision purpose and reminds banks to prevent and cope with the financial crisis in advance.

  12. A watershed scale spatially-distributed model for streambank erosion rate driven by channel curvature

    NASA Astrophysics Data System (ADS)

    McMillan, Mitchell; Hu, Zhiyong

    2017-10-01

    Streambank erosion is a major source of fluvial sediment, but few large-scale, spatially distributed models exist to quantify streambank erosion rates. We introduce a spatially distributed model for streambank erosion applicable to sinuous, single-thread channels. We argue that such a model can adequately characterize streambank erosion rates, measured at the outsides of bends over a 2-year time period, throughout a large region. The model is based on the widely-used excess-velocity equation and comprised three components: a physics-based hydrodynamic model, a large-scale 1-dimensional model of average monthly discharge, and an empirical bank erodibility parameterization. The hydrodynamic submodel requires inputs of channel centerline, slope, width, depth, friction factor, and a scour factor A; the large-scale watershed submodel utilizes watershed-averaged monthly outputs of the Noah-2.8 land surface model; bank erodibility is based on tree cover and bank height as proxies for root density. The model was calibrated with erosion rates measured in sand-bed streams throughout the northern Gulf of Mexico coastal plain. The calibrated model outperforms a purely empirical model, as well as a model based only on excess velocity, illustrating the utility of combining a physics-based hydrodynamic model with an empirical bank erodibility relationship. The model could be improved by incorporating spatial variability in channel roughness and the hydrodynamic scour factor, which are here assumed constant. A reach-scale application of the model is illustrated on ∼1 km of a medium-sized, mixed forest-pasture stream, where the model identifies streambank erosion hotspots on forested and non-forested bends.

  13. Spatial prediction and validation of zoonotic hazard through micro-habitat properties: where does Puumala hantavirus hole - up?

    PubMed

    Khalil, Hussein; Olsson, Gert; Magnusson, Magnus; Evander, Magnus; Hörnfeldt, Birger; Ecke, Frauke

    2017-07-26

    To predict the risk of infectious diseases originating in wildlife, it is important to identify habitats that allow the co-occurrence of pathogens and their hosts. Puumala hantavirus (PUUV) is a directly-transmitted RNA virus that causes hemorrhagic fever in humans, and is carried and transmitted by the bank vole (Myodes glareolus). In northern Sweden, bank voles undergo 3-4 year population cycles, during which their spatial distribution varies greatly. We used boosted regression trees; a technique inspired by machine learning, on a 10 - year time-series (fall 2003-2013) to develop a spatial predictive model assessing seasonal PUUV hazard using micro-habitat variables in a landscape heavily modified by forestry. We validated the models in an independent study area approx. 200 km away by predicting seasonal presence of infected bank voles in a five-year-period (2007-2010 and 2015). The distribution of PUUV-infected voles varied seasonally and inter-annually. In spring, micro-habitat variables related to cover and food availability in forests predicted both bank vole and infected bank vole presence. In fall, the presence of PUUV-infected voles was generally restricted to spruce forests where cover was abundant, despite the broad landscape distribution of bank voles in general. We hypothesize that the discrepancy in distribution between infected and uninfected hosts in fall, was related to higher survival of PUUV and/or PUUV-infected voles in the environment, especially where cover is plentiful. Moist and mesic old spruce forests, with abundant cover such as large holes and bilberry shrubs, also providing food, were most likely to harbor infected bank voles. The models developed using long-term and spatially extensive data can be extrapolated to other areas in northern Fennoscandia. To predict the hazard of directly transmitted zoonoses in areas with unknown risk status, models based on micro-habitat variables and developed through machine learning techniques in well-studied systems, could be used.

  14. Mechanical and Hydrologic Effects of Riparian Vegetation on Critical Conditions for Streambank Stability: Upper Truckee River, California

    NASA Astrophysics Data System (ADS)

    Simon, A.; Pollen, N. L.; Langendoen, E. J.

    2005-05-01

    The Upper Truckee River is the single largest contributor of sediment to Lake Tahoe with a large proportion of the suspended-sediment load coming from eroding streambanks. Recent advances in quantifying streambank processes highlight the combined effects of hydraulic erosion at the bank toe with geotechnical stability of the upper part of the bank and resulted in the development of a deterministic model of bank-toe erosion and streambank stability (Simon et al., 1999). The use of riparian vegetation in schemes of bank stabilization and stream restoration have become popular but are often implemented on a trial and error basis because of a lack of quantifiable information on the mechanical and hydrologic effects of vegetation on bank stability. This study, conducted along an unstable reach of the Upper Truckee River, combines field data with numerical modeling to quantify (1) hydraulic and geotechnical driving and resisting forces that control bank failures, (2) the mechanical and hydrologic effects of vegetation on shear strength, and (3) the critical conditions for bank stability with and without indigenous riparian species. Tests were conducted using three top-bank treatments: bare (control), Lemmon's willow, and young Lodgepole pine. The susceptibility of the bank toe to erosion by hydraulic forces was quantified by conducting submerged jet tests of in situ material to determine the erodibility coefficient (k) and the critical shear stress of the material. Drained, shear-strength parameters (cohesion and friction angle) of the banks were determined from borehole shear tests at various depths. Pore-water pressure and matric suction were monitored at three depths (30, 100, and 150 cm) with digital tensiometers to calculate changes in apparent cohesion for the period (September 2003 - May 2004) and to differentiate between the hydrologic effects of the two species. Root reinforcement of the two species was quantified by determining the relation between root-tensile strength and root diameter and integrating this with root distribution. Bank failures occurred during winter and spring, brought on by repeated basal melting of snow packs and rain-on-snow events. Lemmon's willow provided an order of magnitude more root-reinforcement (5.5 kPa) than the young Lodgepole pines (0.5 kPa). This difference is not related to differences in root strength, but to the far greater number of roots associated with Lemmon's willow. The hydrologic effects of the species varied spatially and temporally, were beneficial (drier) at depths of 100 and 150 cm but disadvantageous (wetter) near the surface (30 cm). In total, these effects were generally smaller in magnitude than the mechanical effects. Lemmon's willow provided a significant increase in bank strength to streambanks along the Upper Truckee River. Model runs conducted with the hydrologic and mechanical effects of Lemmon's willow included, showed no failures during the simulation period. Overall, Lemmon's willow provided a significant increase in bank strength, reducing the frequency of bank failures and delivery of fine-grained sediment to the study reach of the Upper Truckee River. The use of Lemmon's willow in a bank-stabilization scheme was found to be numerically equivalent to reducing the angle of the entire bank 10-15 degrees.

  15. Young Men With Cancer Experience Low Referral Rates for Fertility Counseling and Sperm Banking.

    PubMed

    Grover, Natalie S; Deal, Allison M; Wood, William A; Mersereau, Jennifer E

    2016-05-01

    With improved cancer survival rates and the current trend of delaying parenthood, fertility is a growing issue among cancer patients. The purpose of this study was to evaluate the incidence of fertility counseling and sperm banking in reproductive-age male cancer patients and to assess factors that influence counseling and banking. Male patients ages 13 to 50 years who received a new cancer diagnosis from January 1, 2013, to May 1, 2015, and planned to initiate curative chemotherapy at our center were identified. Documentation of fertility counseling and sperm cryopreservation was abstracted from the medical record. Univariable and multivariable logistic regression modeling was used to examine variables associated with fertility counseling and sperm banking. Of 201 patients who fit the study criteria, 59 (29%) received fertility counseling and 23 (11%) attempted sperm banking. All patients who banked sperm had documentation of fertility counseling. Younger patients were significantly more likely to be counseled, with mean ages of 27.4 and 40.4 years for counseled and noncounseled patients, respectively (P < .001). Among counseled patients, those with a lower median income (P = .038) or who had Medicaid or no insurance (P = .042) were less likely to bank sperm. In a multivariable logistic regression model, older age (5-year odds ratio, 0.61; P < .001) and presence of comorbidities (odds ratio, 0.15; P = .03) remained significantly associated with a lower counseling rate. There is a low rate of fertility counseling and referral for sperm banking in young men with cancer receiving chemotherapy. Further work is needed to develop interventions to improve fertility counseling rates and opportunities for sperm banking. Copyright © 2016 by American Society of Clinical Oncology.

  16. Disturbance frequency and vertical distribution of seeds affect long-term population dynamics: a mechanistic seed bank model.

    PubMed

    Eager, Eric Alan; Haridas, Chirakkal V; Pilson, Diana; Rebarber, Richard; Tenhumberg, Brigitte

    2013-08-01

    Seed banks are critically important for disturbance specialist plants because seeds of these species germinate only in disturbed soil. Disturbance and seed depth affect the survival and germination probability of seeds in the seed bank, which in turn affect population dynamics. We develop a density-dependent stochastic integral projection model to evaluate the effect of stochastic soil disturbances on plant population dynamics with an emphasis on mimicking how disturbances vertically redistribute seeds within the seed bank. We perform a simulation analysis of the effect of the frequency and mean depth of disturbances on the population's quasi-extinction probability, as well as the long-term mean and variance of the total density of seeds in the seed bank. We show that increasing the frequency of disturbances increases the long-term viability of the population, but the relationship between the mean depth of disturbance and the long-term viability of the population are not necessarily monotonic for all parameter combinations. Specifically, an increase in the probability of disturbance increases the long-term viability of the total seed bank population. However, if the probability of disturbance is too low, a shallower mean depth of disturbance can increase long-term viability, a relationship that switches as the probability of disturbance increases. However, a shallow disturbance depth is beneficial only in scenarios with low survival in the seed bank.

  17. Development of a PROMIS item bank to measure pain interference.

    PubMed

    Amtmann, Dagmar; Cook, Karon F; Jensen, Mark P; Chen, Wen-Hung; Choi, Seung; Revicki, Dennis; Cella, David; Rothrock, Nan; Keefe, Francis; Callahan, Leigh; Lai, Jin-Shei

    2010-07-01

    This paper describes the psychometric properties of the PROMIS-pain interference (PROMIS-PI) bank. An initial candidate item pool (n=644) was developed and evaluated based on the review of existing instruments, interviews with patients, and consultation with pain experts. From this pool, a candidate item bank of 56 items was selected and responses to the items were collected from large community and clinical samples. A total of 14,848 participants responded to all or a subset of candidate items. The responses were calibrated using an item response theory (IRT) model. A final 41-item bank was evaluated with respect to IRT assumptions, model fit, differential item function (DIF), precision, and construct and concurrent validity. Items of the revised bank had good fit to the IRT model (CFI and NNFI/TLI ranged from 0.974 to 0.997), and the data were strongly unidimensional (e.g., ratio of first and second eigenvalue=35). Nine items exhibited statistically significant DIF. However, adjusting for DIF had little practical impact on score estimates and the items were retained without modifying scoring. Scores provided substantial information across levels of pain; for scores in the T-score range 50-80, the reliability was equivalent to 0.96-0.99. Patterns of correlations with other health outcomes supported the construct validity of the item bank. The scores discriminated among persons with different numbers of chronic conditions, disabling conditions, levels of self-reported health, and pain intensity (p<0.0001). The results indicated that the PROMIS-PI items constitute a psychometrically sound bank. Computerized adaptive testing and short forms are available. Copyright 2010 International Association for the Study of Pain. All rights reserved.

  18. Developing an Item Bank to Measure Quality of Life in Individuals With Glaucoma, and the Results of the Interview With Patients: The Effect of Visual Function, Visual Field Progression Rate, Medical, and Surgical Treatments on Quality of Life.

    PubMed

    Matsuura, Masato; Hirasawa, Kazunori; Hirasawa, Hiroyo; Yanagisawa, Mieko; Murata, Hiroshi; Mayama, Chihiro; Asaoka, Ryo

    2017-02-01

    To construct a new item bank to measure quality of life (QOL) in glaucoma patients and to evaluate glaucoma patients' QOL using the item bank. An item bank of questions was generated through a literature review of QOL instruments useful for glaucoma patients. Using this item bank, a cognitive survey was performed on 203 patients with glaucoma (112 males and 91 females, 61.9±11.9 y old; mean±SD). The results were then analyzed using the Rasch analysis, and the Rasch-derived disability scores were predicted using linear modelling and the following clinical parameters: age, mean total deviation (mTD) in superior and inferior visual field (mTDsup/mTDinf), mTD progression rate, better visual acuity, worse visual acuity, number of eye drops administered per day, number of trabeculectomy procedures experienced in both eyes. A total of 23 questionnaires of QOL in glaucoma patients were identified resulting in an item bank of 187 questions related to the following tasks: reading/writing, walking, going out, eating and driving (direct disability) as well as questions concerned with worry/anxiety, social participation, and physical symptoms (indirect disability). In the optimal model for direct disability, age and mTDinf were identified as significant predictors, whereas number of eye drops administered per day and number of trabeculectomy experienced were included in the optimal model for indirect disability. A new item bank to measure QOL in glaucoma patients was developed and evaluated. Age and mTDinf were found to be related to direct disability while medical and surgical treatments were related to indirect disability.

  19. Comparison of Monetary Policy Actions and Central Bank Communication on Tackling Asset Price Bubbles-Evidence from China's Stock Market.

    PubMed

    Sun, Ou; Liu, Zhixin

    2016-01-01

    We examine the different effects of monetary policy actions and central bank communication on China's stock market bubbles with a Time-varying Parameter SVAR model. We find that with negative responses of fundamental component and positive responses of bubble component of asset prices, contractionary monetary policy induces the observed stock prices to rise during periods of large bubbles. By contrast, central bank communication acts on the market through expectation guidance and has more significant effects on stock prices in the long run, which implies that central bank communication be used as an effective long-term instrument for the central bank's policymaking.

  20. Disentangling the role of seed bank and dispersal in plant metapopulation dynamics using patch occupancy surveys.

    PubMed

    Manna, F; Pradel, R; Choquet, R; Fréville, H; Cheptou, P-O

    2017-10-01

    In plants, the presence of a seed bank challenges the application of classical metapopulation models to aboveground presence surveys; ignoring seed bank leads to overestimated extinction and colonization rates. In this article, we explore the possibility to detect seed bank using hidden Markov models in the analysis of aboveground patch occupancy surveys of an annual plant with limited dispersal. Patch occupancy data were generated by simulation under two metapopulation sizes (N = 200 and N = 1,000 patches) and different metapopulation scenarios, each scenario being a combination of the presence/absence of a 1-yr seed bank and the presence/absence of limited dispersal in a circular 1-dimension configuration of patches. In addition, because local conditions often vary among patches in natural metapopulations, we simulated patch occupancy data with heterogeneous germination rate and patch disturbance. Seed bank is not observable from aboveground patch occupancy surveys, hence hidden Markov models were designed to account for uncertainty in patch occupancy. We explored their ability to retrieve the correct scenario. For 10 yr surveys and metapopulation sizes of N = 200 or 1,000 patches, the correct metapopulation scenario was detected at a rate close to 100%, whatever the underlying scenario considered. For smaller, more realistic, survey duration, the length for a reliable detection of the correct scenario depends on the metapopulation size: 3 yr for N = 1,000 and 6 yr for N = 200 are enough. Our method remained powerful to disentangle seed bank from dispersal in the presence of patch heterogeneity affecting either seed germination or patch extinction. Our work shows that seed bank and limited dispersal generate different signatures on aboveground patch occupancy surveys. Therefore, our method provides a powerful tool to infer metapopulation dynamics in a wide range of species with an undetectable life form. © 2017 by the Ecological Society of America.

  1. An evaluation of computerized adaptive testing for general psychological distress: combining GHQ-12 and Affectometer-2 in an item bank for public mental health research.

    PubMed

    Stochl, Jan; Böhnke, Jan R; Pickett, Kate E; Croudace, Tim J

    2016-05-20

    Recent developments in psychometric modeling and technology allow pooling well-validated items from existing instruments into larger item banks and their deployment through methods of computerized adaptive testing (CAT). Use of item response theory-based bifactor methods and integrative data analysis overcomes barriers in cross-instrument comparison. This paper presents the joint calibration of an item bank for researchers keen to investigate population variations in general psychological distress (GPD). Multidimensional item response theory was used on existing health survey data from the Scottish Health Education Population Survey (n = 766) to calibrate an item bank consisting of pooled items from the short common mental disorder screen (GHQ-12) and the Affectometer-2 (a measure of "general happiness"). Computer simulation was used to evaluate usefulness and efficacy of its adaptive administration. A bifactor model capturing variation across a continuum of population distress (while controlling for artefacts due to item wording) was supported. The numbers of items for different required reliabilities in adaptive administration demonstrated promising efficacy of the proposed item bank. Psychometric modeling of the common dimension captured by more than one instrument offers the potential of adaptive testing for GPD using individually sequenced combinations of existing survey items. The potential for linking other item sets with alternative candidate measures of positive mental health is discussed since an optimal item bank may require even more items than these.

  2. Transcending Convention and Space: Strategies for Fostering Active Learning in Large Post-Secondary Classes

    ERIC Educational Resources Information Center

    Quinlan, Andrea; Fogel, Curtis A.

    2014-01-01

    In 1970, education theorist Paulo Freire (1970) sharply critiqued dominant pedagogy--or what he called the banking model of education--for stripping students of their agency. In the banking model, he wrote, instructors are empowered as narrating subjects as students who become alienated as passive listening objects. In the decades since, research…

  3. Simulating bank erosion over an extended natural sinuous river reach using a universal slope stability algorithm coupled with a morphodynamic model

    NASA Astrophysics Data System (ADS)

    Rousseau, Yannick Y.; Van de Wiel, Marco J.; Biron, Pascale M.

    2017-10-01

    Meandering river channels are often associated with cohesive banks. Yet only a few river modelling packages include geotechnical and plant effects. Existing packages are solely compatible with single-threaded channels, require a specific mesh structure, derive lateral migration rates from hydraulic properties, determine stability based on friction angle, rely on nonphysical assumptions to describe cutoffs, or exclude floodplain processes and vegetation. In this paper, we evaluate the accuracy of a new geotechnical module that was developed and coupled with Telemac-Mascaret to address these limitations. Innovatively, the newly developed module relies on a fully configurable, universal genetic algorithm with tournament selection that permits it (1) to assess geotechnical stability along potentially unstable slope profiles intersecting liquid-solid boundaries, and (2) to predict the shape and extent of slump blocks while considering mechanical plant effects, bank hydrology, and the hydrostatic pressure caused by flow. The profiles of unstable banks are altered while ensuring mass conservation. Importantly, the new stability module is independent of mesh structure and can operate efficiently along multithreaded channels, cutoffs, and islands. Data collected along a 1.5-km-long reach of the semialluvial Medway Creek, Canada, over a period of 3.5 years are used to evaluate the capacity of the coupled model to accurately predict bank retreat in meandering river channels and to evaluate the extent to which the new model can be applied to a natural river reach located in a complex environment. Our results indicate that key geotechnical parameters can indeed be adjusted to fit observations, even with a minimal calibration effort, and that the model correctly identifies the location of the most severely eroded bank regions. The combined use of genetic and spatial analysis algorithms, in particular for the evaluation of geotechnical stability independently of the hydrodynamic mesh, permits the consideration of biophysical conditions for an extended river reach with complex bank geometries, with only a minor increase in run time. Further improvements with respect to plant representation could assist scientists in better understanding channel-floodplain interactions and in evaluating channel designs in river management projects.

  4. Trends and tips for online recruiting and job hunts.

    PubMed

    Franz, D

    1999-01-01

    The Internet is providing new ways to find a new job or a great job candidate. Online job banks can make searches easy, but it's best to have a sense of what type of job bank will best serve your purposes. This article describes six different business models employed by Internet job banks and outlines their advantages and disadvantages. A list of online resources is included.

  5. Banking or Bankrupting: Strategies for Sustaining the Economic Future of Public Cord Blood Banks.

    PubMed

    Magalon, Jeremy; Maiers, Martin; Kurtzberg, Joanne; Navarrete, Cristina; Rubinstein, Pablo; Brown, Colin; Schramm, Catherine; Larghero, Jérome; Katsahian, Sandrine; Chabannon, Christian; Picard, Christophe; Platz, Alexander; Schmidt, Alexander; Katz, Gregory

    2015-01-01

    Cord blood is an important source of stem cells. However, nearly 90% of public cord blood banks have declared that they are struggling to maintain their financial sustainability and avoid bankruptcy. The objective of this study is to evaluate how characteristics of cord blood units influence their utilization, then use this information to model the economic viability and therapeutic value of different banking strategies. Retrospective analysis of cord blood data registered between January 1st, 2009 and December 31st, 2011 in Bone Marrow Donor Worldwide. Data were collected from four public banks in France, Germany and the USA. Samples were eligible for inclusion in the analysis if data on cord blood and maternal HLA typing and biological characteristics after processing were available (total nucleated and CD34+ cell counts). 9,396 banked cord blood units were analyzed, of which 5,815 were Caucasian in origin. A multivariate logistic regression model assessed the influence of three parameters on the CBU utilization rate: ethnic background, total nucleated and CD34+ cell counts. From this model, we elaborated a Utilization Score reflecting the probability of transplantation for each cord blood unit. We stratified three Utilization Score thresholds representing four different banking strategies, from the least selective (scenario A) to the most selective (scenario D). We measured the cost-effectiveness ratio for each strategy by comparing performance in terms of number of transplanted cord blood units and level of financial deficit. When comparing inputs and outputs over three years, Scenario A represented the most extreme case as it delivered the highest therapeutic value for patients (284 CBUs transplanted) along with the highest financial deficit (USD 5.89 million). We found that scenario C resulted in 219 CBUs transplanted with a limited deficit (USD 0.98 million) that charities and public health could realistically finance over the long term. We also found that using a pre-freezing level of 18 x 10(8) TNC would be the most cost-effective strategy for a public bank. Our study shows that a swift transition from strategy A to C can play a vital role in preventing public cord blood banks worldwide from collapsing.

  6. Interpreting the cross-sectional flow field in a river bank based on a genetic-algorithm two-dimensional heat-transport method (GA-VS2DH)

    NASA Astrophysics Data System (ADS)

    Su, Xiaoru; Shu, Longcang; Chen, Xunhong; Lu, Chengpeng; Wen, Zhonghui

    2016-12-01

    Interactions between surface waters and groundwater are of great significance for evaluating water resources and protecting ecosystem health. Heat as a tracer method is widely used in determination of the interactive exchange with high precision, low cost and great convenience. The flow in a river-bank cross-section occurs in vertical and lateral directions. In order to depict the flow path and its spatial distribution in bank areas, a genetic algorithm (GA) two-dimensional (2-D) heat-transport nested-loop method for variably saturated sediments, GA-VS2DH, was developed based on Microsoft Visual Basic 6.0. VS2DH was applied to model a 2-D bank-water flow field and GA was used to calibrate the model automatically by minimizing the difference between observed and simulated temperatures in bank areas. A hypothetical model was developed to assess the reliability of GA-VS2DH in inverse modeling in a river-bank system. Some benchmark tests were conducted to recognize the capability of GA-VS2DH. The results indicated that the simulated seepage velocity and parameters associated with GA-VS2DH were acceptable and reliable. Then GA-VS2DH was applied to two field sites in China with different sedimentary materials, to verify the reliability of the method. GA-VS2DH could be applied in interpreting the cross-sectional 2-D water flow field. The estimates of horizontal hydraulic conductivity at the Dawen River and Qinhuai River sites are 1.317 and 0.015 m/day, which correspond to sand and clay sediment in the two sites, respectively.

  7. Are Health Facility Management Committees in Kenya ready to implement financial management tasks: findings from a nationally representative survey.

    PubMed

    Waweru, Evelyn; Opwora, Antony; Toda, Mitsuru; Fegan, Greg; Edwards, Tansy; Goodman, Catherine; Molyneux, Sassy

    2013-10-10

    Community participation in peripheral public health facilities has in many countries focused on including community representatives in Health Facility Management Committees (HFMCs). In Kenya, HFMC roles are being expanded with the phased implementation of the Health Sector Services Fund (HSSF). Under HSSF, HFMCs manage facility funds which are dispersed directly from central level into facility bank accounts. We assessed how prepared HFMCs were to undertake this new role in advance of HSSF roll out, and considered the implications for Kenya and other similar settings. Data were collected through a nationally representative sample of 248 public health centres and dispensaries in 24 districts in 2010. Data collection included surveys with in-charges (n = 248), HFMC members (n = 464) and facility users (n = 698), and record reviews. These data were supplemented by semi-structured interviews with district health managers in each district. Some findings supported preparedness of HFMCs to take on their new roles. Most facilities had bank accounts and HFMCs which met regularly. HFMC members and in-charges generally reported positive relationships, and HFMC members expressed high levels of motivation and job satisfaction. Challenges included users' low awareness of HFMCs, lack of training and clarity in roles among HFMCs, and some indications of strained relations with in-charges. Such challenges are likely to be common to many similar settings, and are therefore important considerations for any health facility based initiatives involving HFMCs. Most HFMCs have the basic requirements to operate. However to manage their own budgets effectively and meet their allocated roles in HSSF implementation, greater emphasis is needed on financial management training, targeted supportive supervision, and greater community awareness and participation. Once new budget management roles are fully established, qualitative and quantitative research on how HFMCs are adapting to their expanded roles, especially in financial management, would be valuable in informing similar financing mechanisms in Kenya and beyond.

  8. Are Health Facility Management Committees in Kenya ready to implement financial management tasks: findings from a nationally representative survey

    PubMed Central

    2013-01-01

    Background Community participation in peripheral public health facilities has in many countries focused on including community representatives in Health Facility Management Committees (HFMCs). In Kenya, HFMC roles are being expanded with the phased implementation of the Health Sector Services Fund (HSSF). Under HSSF, HFMCs manage facility funds which are dispersed directly from central level into facility bank accounts. We assessed how prepared HFMCs were to undertake this new role in advance of HSSF roll out, and considered the implications for Kenya and other similar settings. Methods Data were collected through a nationally representative sample of 248 public health centres and dispensaries in 24 districts in 2010. Data collection included surveys with in-charges (n = 248), HFMC members (n = 464) and facility users (n = 698), and record reviews. These data were supplemented by semi-structured interviews with district health managers in each district. Results Some findings supported preparedness of HFMCs to take on their new roles. Most facilities had bank accounts and HFMCs which met regularly. HFMC members and in-charges generally reported positive relationships, and HFMC members expressed high levels of motivation and job satisfaction. Challenges included users’ low awareness of HFMCs, lack of training and clarity in roles among HFMCs, and some indications of strained relations with in-charges. Such challenges are likely to be common to many similar settings, and are therefore important considerations for any health facility based initiatives involving HFMCs. Conclusion Most HFMCs have the basic requirements to operate. However to manage their own budgets effectively and meet their allocated roles in HSSF implementation, greater emphasis is needed on financial management training, targeted supportive supervision, and greater community awareness and participation. Once new budget management roles are fully established, qualitative and quantitative research on how HFMCs are adapting to their expanded roles, especially in financial management, would be valuable in informing similar financing mechanisms in Kenya and beyond. PMID:24107094

  9. A model and simulation of fast space charge pulses in polymers

    NASA Astrophysics Data System (ADS)

    Lv, Zepeng; Rowland, Simon M.; Wu, Kai

    2017-11-01

    The transport of space charge packets across polyethylene and epoxy resin in high electric fields has been characterized as fast or slow depending on packet mobility. Several explanations for the formation and transport of slow space charge packets have been proposed, but the origins of fast space charge pulses, with mobilities above 10-11 m2 V-1 s-1, are unclear. In one suggested model, it is assumed that the formation of fast charge pulses is due to discontinuous electromechanical compression and charge injection at the electrode-insulation interface, and their transport is related to corresponding relaxation processes. In that model, charges travel as a pulse because of group polarization. This paper provides an alternative model based on the reduction of charge carrier activation energy due to charge density triggered polymer chain movement and subsequent chain relaxation times. The generation and transport of fast charge pulses are readily simulated by a bipolar charge transport model with three additional parameters: reduced activation energy, charge density threshold, and chain relaxation time. Such a model is shown to reproduce key features of fast space charge pulses including speed, duration, repetition rate and pulse size. This model provides the basis for a deep understanding of the physical origins of fast space charge pulses in polymers.

  10. The Design of Operational Amplifier for Low Voltage and Low Current Sound Energy Harvesting System

    NASA Astrophysics Data System (ADS)

    Fang, Liew Hui; Rahim, Rosemizi Bin Abd; Isa, Muzamir; Idris Syed Hassan, Syed; Ismail, Baharuddin Bin

    2018-03-01

    The objective of this paper is to design a combination of an operational amplifier (op-amp) with a rectifier used in an alternate current (ac) to direct current (dc) power conversion. The op-amp was designed to specifically work at low voltage and low current for a sound energy harvesting system. The goal of the op-amp design with adjustable gain was to control output voltage based on the objectives of the experiment conducted. The op-amp was designed for minimum power dissipation performance, with the means of increasing the output current when receiving a large amount of load. The harvesting circuits which designed further improved the power output efficiency by shortening the fully charged time needed by a supercapacitor bank. It can fulfil the long-time power demands for low power device. Typically, a small amount of energy sources were converted to electricity and stored in the supercapacitor bank, which was built by 10 pieces of capacitors with 0.22 F each, arranged in parallel connection. The highest capacitance was chosen based on the characteristic that have the longest discharging time to support the applications of a supercapacitor bank. Testing results show that the op-amp can boost the low input ac voltage (∼3.89 V) to high output dc voltage (5.0 V) with output current of 30 mA and stored the electrical energy in a big supercapacitor bank having a total of 2.2 F, effectively. The measured results agree well with the calculated results.

  11. Palm top plasma focus device as a portable pulsed neutron source.

    PubMed

    Rout, R K; Niranjan, Ram; Mishra, P; Srivastava, R; Rawool, A M; Kaushik, T C; Gupta, Satish C

    2013-06-01

    Development of a palm top plasma focus device generating (5.2 ± 0.8) × 10(4) neutrons∕pulse into 4π steradians with a pulse width of 15 ± 3 ns is reported for the first time. The weight of the system is less than 1.5 kg. The system comprises a compact capacitor bank, a triggered open air spark gap switch, and a sealed type miniature plasma focus tube. The setup is around 14 cm in diameter and 12.5 cm in length. The energy driver for the unit is a capacitor bank of four cylindrical commercially available electrolytic capacitors. Each capacitor is of 2 μF capacity, 4.5 cm in diameter, and 9.8 cm in length. The cost of each capacitor is less than US$ 10. The internal diameter and the effective length of the plasma focus unit are 2.9 cm and 5 cm, respectively. A DC to DC converter power supply powered by two rechargeable batteries charges the capacitor bank to the desired voltage and also provides a trigger pulse of -15 kV to the spark gap. The maximum energy of operation of the device is 100 J (8 μF, 5 kV, 59 kA) with deuterium gas filling pressure of 3 mbar. The neutrons have also been produced at energy as low as 36 J (3 kV) of operation. The neutron diagnostics are carried out with a bank of (3)He detectors and with a plastic scintillator detector. The device is portable, reusable, and can be operated for multiple shots with a single gas filling.

  12. Palm top plasma focus device as a portable pulsed neutron source

    NASA Astrophysics Data System (ADS)

    Rout, R. K.; Niranjan, Ram; Mishra, P.; Srivastava, R.; Rawool, A. M.; Kaushik, T. C.; Gupta, Satish C.

    2013-06-01

    Development of a palm top plasma focus device generating (5.2 ± 0.8) × 104 neutrons/pulse into 4π steradians with a pulse width of 15 ± 3 ns is reported for the first time. The weight of the system is less than 1.5 kg. The system comprises a compact capacitor bank, a triggered open air spark gap switch, and a sealed type miniature plasma focus tube. The setup is around 14 cm in diameter and 12.5 cm in length. The energy driver for the unit is a capacitor bank of four cylindrical commercially available electrolytic capacitors. Each capacitor is of 2 μF capacity, 4.5 cm in diameter, and 9.8 cm in length. The cost of each capacitor is less than US 10. The internal diameter and the effective length of the plasma focus unit are 2.9 cm and 5 cm, respectively. A DC to DC converter power supply powered by two rechargeable batteries charges the capacitor bank to the desired voltage and also provides a trigger pulse of -15 kV to the spark gap. The maximum energy of operation of the device is 100 J (8 μF, 5 kV, 59 kA) with deuterium gas filling pressure of 3 mbar. The neutrons have also been produced at energy as low as 36 J (3 kV) of operation. The neutron diagnostics are carried out with a bank of 3He detectors and with a plastic scintillator detector. The device is portable, reusable, and can be operated for multiple shots with a single gas filling.

  13. The experiences and perceptions of food banks amongst users in high-income countries: An international scoping review.

    PubMed

    Middleton, Georgia; Mehta, Kaye; McNaughton, Darlene; Booth, Sue

    2018-01-01

    Food banks have become the main response to food insecurity in many high-income countries, but it has been argued that they lack the capacity to respond consistently and fully to the food needs of the people who use them. This literature review set out to answer the question 'how do food bank recipients experience food relief services and how does this impact their lives and wellbeing?' A comprehensive search of electronic databases yielded twenty qualitative studies, conducted in developed countries, exploring user perspectives of food banks. From the studies reviewed, there emerged three main categories that represented the different aspects of the food bank process from the food bank user's perspective: the user's perceptions about the idea of being fed from food banks, the user's perceptions about food bank offerings and operations, and the socio-psychological impact of receiving food from food banks. While participants of these studies spoke positively of the volunteers and were thankful for the service, they also consistently report limited food choice, poor quality, shame, stigma and embarrassment associated with food bank use. The food bank industry continues to expand despite there being little evidence that food banks are an appropriate response for those facing food insecurity. This is worrying as the results of this review indicate that although participants value the service provided by the food bank, the experience can be largely negative. These findings raise questions about the food bank model as a long-term strategy. Copyright © 2017 Elsevier Ltd. All rights reserved.

  14. Model improvements to simulate charging in SEM

    NASA Astrophysics Data System (ADS)

    Arat, K. T.; Klimpel, T.; Hagen, C. W.

    2018-03-01

    Charging of insulators is a complex phenomenon to simulate since the accuracy of the simulations is very sensitive to the interaction of electrons with matter and electric fields. In this study, we report model improvements for a previously developed Monte-Carlo simulator to more accurately simulate samples that charge. The improvements include both modelling of low energy electron scattering and charging of insulators. The new first-principle scattering models provide a more realistic charge distribution cloud in the material, and a better match between non-charging simulations and experimental results. Improvements on charging models mainly focus on redistribution of the charge carriers in the material with an induced conductivity (EBIC) and a breakdown model, leading to a smoother distribution of the charges. Combined with a more accurate tracing of low energy electrons in the electric field, we managed to reproduce the dynamically changing charging contrast due to an induced positive surface potential.

  15. Optimal Capacitor Bank Capacity and Placement in Distribution Systems with High Distributed Solar Power Penetration

    DOE Office of Scientific and Technical Information (OSTI.GOV)

    Hodge, Brian S; Mather, Barry A; Cho, Gyu-Jung

    Capacitor banks have been generally installed and utilized to support distribution voltage during period of higher load or on longer, higher impedance, feeders. Installations of distributed energy resources in distribution systems are rapidly increasing, and many of these generation resources have variable and uncertain power output. These generators can significantly change the voltage profile across a feeder, and therefore when a new capacitor bank is needed analysis of optimal capacity and location of the capacitor bank is required. In this paper, we model a particular distribution system including essential equipment. An optimization method is adopted to determine the best capacitymore » and location sets of the newly installed capacitor banks, in the presence of distributed solar power generation. Finally we analyze the optimal capacitor banks configuration through the optimization and simulation results.« less

  16. Does competition improve financial stability of the banking sector in ASEAN countries? An empirical analysis.

    PubMed

    Noman, Abu Hanifa Md; Gee, Chan Sok; Isa, Che Ruhana

    2017-01-01

    This study examines the influence of competition on the financial stability of the commercial banks of Association of Southeast Asian Nation (ASEAN) over the 1990 to 2014 period. Panzar-Rosse H-statistic, Lerner index and Herfindahl-Hirschman Index (HHI) are used as measures of competition, while Z-score, non-performing loan (NPL) ratio and equity ratio are used as measures of financial stability. Two-step system Generalized Method of Moments (GMM) estimates demonstrate that competition measured by H-statistic is positively related to Z-score and equity ratio, and negatively related to non-performing loan ratio. Conversely, market power measured by Lerner index is negatively related to Z-score and equity ratio and positively related to NPL ratio. These results strongly support the competition-stability view for ASEAN banks. We also capture the non-linear relationship between competition and financial stability by incorporating a quadratic term of competition in our models. The results show that the coefficient of the quadratic term of H-statistic is negative for the Z-score model given a positive coefficient of the linear term in the same model. These results support the non-linear relationship between competition and financial stability of the banking sector. The study contains significant policy implications for improving the financial stability of the commercial banks.

  17. Does competition improve financial stability of the banking sector in ASEAN countries? An empirical analysis

    PubMed Central

    Gee, Chan Sok; Isa, Che Ruhana

    2017-01-01

    This study examines the influence of competition on the financial stability of the commercial banks of Association of Southeast Asian Nation (ASEAN) over the 1990 to 2014 period. Panzar-Rosse H-statistic, Lerner index and Herfindahl-Hirschman Index (HHI) are used as measures of competition, while Z-score, non-performing loan (NPL) ratio and equity ratio are used as measures of financial stability. Two-step system Generalized Method of Moments (GMM) estimates demonstrate that competition measured by H-statistic is positively related to Z-score and equity ratio, and negatively related to non-performing loan ratio. Conversely, market power measured by Lerner index is negatively related to Z-score and equity ratio and positively related to NPL ratio. These results strongly support the competition-stability view for ASEAN banks. We also capture the non-linear relationship between competition and financial stability by incorporating a quadratic term of competition in our models. The results show that the coefficient of the quadratic term of H-statistic is negative for the Z-score model given a positive coefficient of the linear term in the same model. These results support the non-linear relationship between competition and financial stability of the banking sector. The study contains significant policy implications for improving the financial stability of the commercial banks. PMID:28486548

  18. A model of the demand for Islamic banks debt-based financing instrument

    NASA Astrophysics Data System (ADS)

    Jusoh, Mansor; Khalid, Norlin

    2013-04-01

    This paper presents a theoretical analysis of the demand for debt-based financing instruments of the Islamic banks. Debt-based financing, such as through baibithamanajil and al-murabahah, is by far the most prominent of the Islamic bank financing and yet it has been largely ignored in Islamic economics literature. Most studies instead have been focusing on equity-based financing of al-mudharabah and al-musyarakah. Islamic bank offers debt-based financing through various instruments derived under the principle of exchange (ukud al-mu'awadhat) or more specifically, the contract of deferred sale. Under such arrangement, Islamic debt is created when goods are purchased and the payments are deferred. Thus, unlike debt of the conventional bank which is a form of financial loan contract to facilitate demand for liquid assets, this Islamic debt is created in response to the demand to purchase goods by deferred payment. In this paper we set an analytical framework that is based on an infinitely lived representative agent model (ILRA model) to analyze the demand for goods to be purchased by deferred payment. The resulting demand will then be used to derive the demand for Islamic debt. We also investigate theoretically, factors that may have an impact on the demand for Islamic debt.

  19. Sediment transport and development of banner banks and sandwaves in an extreme tidal system: Upper Bay of Fundy, Canada

    NASA Astrophysics Data System (ADS)

    Li, Michael Z.; Shaw, John; Todd, Brian J.; Kostylev, Vladimir E.; Wu, Yongsheng

    2014-07-01

    Multibeam sonar mapping and geophysical and geological groundtruth surveys were coupled with tidal current and sediment transport model calculations to investigate the sediment transport and formation processes of the complex seabed features off the Cape Split headland in the upper Bay of Fundy. The Cape Split banner bank, composed of coarse to very coarse sand, is a southwest-northeast oriented, large tear-drop shaped sand body with superimposed sand waves that show wavelengths from 15 to 525 m and heights from 0.5 to 19 m. Isolated and chains of barchan dunes occur on top of a shadow bank to the southeast of the banner bank. The barchan dunes are composed of well-sorted medium sand and are oriented northwest-southeast. Their mean height and width are 1.5 and 55 m, respectively. A gravel bank, with an elongated elliptical shape and west-east orientation, lies in the Minas Passage erosional trough east of the headland to form the counterpart to the sandy Cape Split banner bank. The southern face is featureless but the northern face is covered by gravel megaripples. Tidal model predictions and sediment transport calculations show that the formation of the banner bank and the gravel bank are due to the development of the transient counter-clockwise and clockwise tidal eddies respectively to the west and east of the headland. The formation of barchan dunes is controlled by the nearly unidirectional flow regime in outer Scots Bay. Sand waves on the flanks of the Cape Split banner bank show opposite asymmetry and the barchan dunes are asymmetric to the northeast. The tidal current and sediment transport predictions corroborate bedform asymmetry to show that sand wave migration and net sediment transport is to southwest on the northern flank of the banner bank but to northeast on the southern bank. Long-term migration of the Scots Bay barchan dunes is to the northeast. Spring-condition tidal currents can cause frequent mobilization and high-stage transport over the banner bank and barchan dunes. Strong currents in Minas Passage can cause infrequent low-stage transport over the megarippled northern face but are not high enough to mobilize the coarser gravels on the southern face of the gravel bank.

  20. The morphology and structure of the Hannibal Bank fisheries management zone, Pacific Panama using acoustic seabed mapping.

    PubMed

    Cunningham, Sarah; Guzman, Hector M; Bates, Richard

    2013-12-01

    The Hannibal Bank sits within the Coiba UNESCO World Heritage Site in Pacific Panama and is also a fisheries management zone. Despite the protected status of the area and the importance of the Bank for commercial fish species such as snapper and tuna, the seamount has received no detailed survey except some collection of organisms. This study mapped the major topographic features and complexity of the Hannibal Bank seamount using acoustic remote sensing. A survey area of around 125 km2 was defined using existing charts and side-scan sonar data were collected during July 2008. A bathymetric output was imported to ArcGIS where a digital bathymetric model and slope map were created. The Benthic Terrain Modeler (BTM) extension for ArcGIS was used to calculate bathymetric position index and rugosity, and used to create a map of zones representing the various seabed morphology zones. The Hannibal bank is an elongated, triangular guyot (flat topped seamount), which ranges in depth from 53m to 416m, covers an area of 76 km2 and is 14.4 km long and 7.1 km wide. Hannibal bank is composed of steep slopes, more gentle slopes, top of the seamount, crests (elevated ridges at the top of the pinnacles), rugose areas (on crests, top of seamount and slope), gullies and pinnacles. The bank is asymmetric in nature with the Northerly side having a relatively gentle slope with gullies across the surface compared to the SouthWest side which is far steeper and more rugose. There are two pinnacles to the North and South East of the bank that range in depth from 180 to 333 m. Rocky substrate makes up 22.6 km2 of the bank and sediment 37.8 km2. The bank and its steeply sided, rugose areas and pinnacles provide upright structures which can disrupt and topographically enhance currents, increasing productivity. The rugose areas of Hannibal Bank should be primary targets for further research efforts as they may contain corals and their rugosity indicates that these should be some of the highest faunal diversity areas of the bank. Hannibal Bank is likely to come increasing pressure in the future through climate change and fishing and this study has produced valuable information to assist in the future mapping and management of habitats, associated species and fisheries.

  1. Development of an Item Bank for the Assessment of Knowledge on Biology in Argentine University Students.

    PubMed

    Cupani, Marcos; Zamparella, Tatiana Castro; Piumatti, Gisella; Vinculado, Grupo

    The calibration of item banks provides the basis for computerized adaptive testing that ensures high diagnostic precision and minimizes participants' test burden. This study aims to develop a bank of items to measure the level of Knowledge on Biology using the Rasch model. The sample consisted of 1219 participants that studied in different faculties of the National University of Cordoba (mean age = 21.85 years, SD = 4.66; 66.9% are women). The items were organized in different forms and into separate subtests, with some common items across subtests. The students were told they had to answer 60 questions of knowledge on biology. Evaluation of Rasch model fit (Zstd >|2.0|), differential item functioning, dimensionality, local independence, item and person separation (>2.0), and reliability (>.80) resulted in a bank of 180 items with good psychometric properties. The bank provides items with a wide range of content coverage and may serve as a sound basis for computerized adaptive testing applications. The contribution of this work is significant in the field of educational assessment in Argentina.

  2. Investigation of heat transfer of tube line of staggered tube bank in two-phase flow

    NASA Astrophysics Data System (ADS)

    Jakubcionis, Mindaugas

    2015-06-01

    This article presents the results of experimental investigation of heat transfer process, carried out using the model of heat exchanger. Two-phase statically stable foam flow was used as a heat transfer fluid. Heat exchanger model consisted of staggered tube bank. Experimental results are presented with the focus on influence of tube position in the line of the bank, volumetric void component and velocity of gas component of the foam. The phenomena of liquid draining in cellular foam flow and its influence on heat transfer rate has also been discussed. The experimental results have been generalized by relationship between Nusselt, Reynolds and Prandtl numbers.

  3. An appraisal of the performance of the economic and financial crimes commission in Nigeria.

    PubMed

    Sowunmi, Fatai Abiola; Adesola, Muniru Adekunle; Salako, Mudashiru Abiodun

    2010-12-01

    This article examines how an anti-graft body, the Economic and Financial Crime Commission (EFCC), has fared in reducing the incidence of corruption in Nigeria, in particular, bank fraud, Internet scam, and bad governance. It first discusses the corruption situation in Nigeria by highlighting public office holders who have been associated with corruption charges. A Likert-type scale is used in designing the questionnaire for data collection. Descriptive and chi-square analyses are used, and results reveal that the performance of the EFCC has been affected by government interference (p < .05). However, although the anti-graft body has not been able to reduce the incidence of bank fraud (p > .05), bad governance and advance fee fraud have recorded appreciable reduction (p < .05). Areas of success as well as challenges that need to be addressed are identified. Specifically, it is recommended that the bill that established EFCC should be amended to reduce government interference and improve its manpower development, especially in the areas of fraud and Internet scam detection.

  4. An analysis of the multiple model adaptive control algorithm. Ph.D. Thesis

    NASA Technical Reports Server (NTRS)

    Greene, C. S.

    1978-01-01

    Qualitative and quantitative aspects of the multiple model adaptive control method are detailed. The method represents a cascade of something which resembles a maximum a posteriori probability identifier (basically a bank of Kalman filters) and a bank of linear quadratic regulators. Major qualitative properties of the MMAC method are examined and principle reasons for unacceptable behavior are explored.

  5. Size and complexity in model financial systems.

    PubMed

    Arinaminpathy, Nimalan; Kapadia, Sujit; May, Robert M

    2012-11-06

    The global financial crisis has precipitated an increasing appreciation of the need for a systemic perspective toward financial stability. For example: What role do large banks play in systemic risk? How should capital adequacy standards recognize this role? How is stability shaped by concentration and diversification in the financial system? We explore these questions using a deliberately simplified, dynamic model of a banking system that combines three different channels for direct transmission of contagion from one bank to another: liquidity hoarding, asset price contagion, and the propagation of defaults via counterparty credit risk. Importantly, we also introduce a mechanism for capturing how swings in "confidence" in the system may contribute to instability. Our results highlight that the importance of relatively large, well-connected banks in system stability scales more than proportionately with their size: the impact of their collapse arises not only from their connectivity, but also from their effect on confidence in the system. Imposing tougher capital requirements on larger banks than smaller ones can thus enhance the resilience of the system. Moreover, these effects are more pronounced in more concentrated systems, and continue to apply, even when allowing for potential diversification benefits that may be realized by larger banks. We discuss some tentative implications for policy, as well as conceptual analogies in ecosystem stability and in the control of infectious diseases.

  6. Hybrid power source

    DOEpatents

    Singh, Harmohan N.

    2012-06-05

    A hybrid power system is comprised of a high energy density element such as a fuel-cell and high power density elements such as a supercapacitor banks. A DC/DC converter electrically connected to the fuel cell and converting the energy level of the energy supplied by the fuel cell. A first switch is electrically connected to the DC/DC converter. First and second supercapacitors are electrically connected to the first switch and a second switch. A controller is connected to the first switch and the second switch, monitoring charge levels of the supercapacitors and controls the switching in response to the charge levels. A load is electrically connected to the second switch. The first switch connects the DC/DC converter to the first supercapacitor when the second switch connects the second supercapacitor to the load. The first switch connects the DC/DC converter to the second supercapacitor when the second switch connects the first supercapacitor to the load.

  7. Vector computer memory bank contention

    NASA Technical Reports Server (NTRS)

    Bailey, D. H.

    1985-01-01

    A number of vector supercomputers feature very large memories. Unfortunately the large capacity memory chips that are used in these computers are much slower than the fast central processing unit (CPU) circuitry. As a result, memory bank reservation times (in CPU ticks) are much longer than on previous generations of computers. A consequence of these long reservation times is that memory bank contention is sharply increased, resulting in significantly lowered performance rates. The phenomenon of memory bank contention in vector computers is analyzed using both a Markov chain model and a Monte Carlo simulation program. The results of this analysis indicate that future generations of supercomputers must either employ much faster memory chips or else feature very large numbers of independent memory banks.

  8. Human milk banking in the volunteer sector: policy development and actuality in 1970s Australia.

    PubMed

    Thorley, Virginia

    2012-04-01

    to describe the development of rigorous milk banking policies in the voluntary sector in Australia, 1975-1979, by the non-government organisation, the Nursing Mothers' Association of Australia (now the Australian Breastfeeding Association), and the eventual abandonment of milk banking by the organisation. historical article. Australia in the years 1975-1979. during the period in which the policy development described here took place, conducting a milk bank to the rigorous standards set by the organisation required too heavy an investment of hours by unpaid volunteer coordinators to be sustainable. in establishing and continuing a successful milk bank, models which depend less on volunteer hours may be more sustainable. Copyright © 2011 Elsevier Ltd. All rights reserved.

  9. Vector computer memory bank contention

    NASA Technical Reports Server (NTRS)

    Bailey, David H.

    1987-01-01

    A number of vector supercomputers feature very large memories. Unfortunately the large capacity memory chips that are used in these computers are much slower than the fast central processing unit (CPU) circuitry. As a result, memory bank reservation times (in CPU ticks) are much longer than on previous generations of computers. A consequence of these long reservation times is that memory bank contention is sharply increased, resulting in significantly lowered performance rates. The phenomenon of memory bank contention in vector computers is analyzed using both a Markov chain model and a Monte Carlo simulation program. The results of this analysis indicate that future generations of supercomputers must either employ much faster memory chips or else feature very large numbers of independent memory banks.

  10. Proceedings of the Air Force Geophysics Laboratory Workshop on Natural Charging of Large Space Structures in Near Earth Polar Orbit: 14-15 September 1982

    DTIC Science & Technology

    1983-01-25

    and its sheatlwith respect to the ambient plasma. *The FPEG was designed and built by Dr. John Raitt of Utah State University apd Dr. Peter Banks of...S. J., and Kellog , P. J. (1978) Heating of the ambient ionosphere by an artificially injected electron beam, J. Geophys. Res. 83:16. 286 The above...Cartwright, D.G., Monsoon, S.J., and Kellog , P.J. (1978) Heating of the ambient ionosphere by an artificially injected electron beam, J. Geophys. Res. 83

  11. The Use of Ferroelectric Ceramics to Charge Small Capacitor Banks

    DTIC Science & Technology

    2017-09-01

    solder (Sn42/Bi57.6/Ag0.4) with a 138 °C melting point.11 The solder paste was applied to the electrodes on the FEG and the circuit board and heated ...were investigated using epoxy to adhere parts together with a 0.8-mm-thick G-10 fiberglass insulating layer. The sandwich was command detonated using...utilized a 0.8-mm-thick G-10 insulator to electrically isolate the sandwich and/or coupler from the FEG. Table 1 is a summary of all experimental data

  12. Design of a Battery Intermediate Storage System for Rep-Rated Pulsed Power Loads

    DTIC Science & Technology

    2013-04-01

    will be charged with a bank of LiFePO4 batteries in conjunction with a DC-DC converter. During discharge, the batteries will generate heat from the...able to use typical wall power. High power electrochemical cells will be used as the prime power source and emerging technologies such as LiFePO4 ...LFP26650 LiFePO4 cells connected in series [1]. Each cell has a capacity of roughly 2.6Ah, has an approximate internal resistance of 9mΩ, and a

  13. Investigation of the Current Turn-off Characteristics of a GTO Thyristor in an Inductive Pulse Forming Network

    DTIC Science & Technology

    2008-05-02

    conduction capacity of the discharge switch; the discharge switch was a TRIAC (Littlefuse – Q6015L5) rated to block 600Vand conduct 15A. (For this circuit ...part of the test circuit to verify was the capacitor dump circuit . The capacitor bank was charged up to 200V and the TRIAC (S2 in Figure 17) was...be turned off by a GTO thyristor. During the course of the project, a series of GTO thyristors were used in an inductive pulse forming circuit to

  14. High-repetition-rate short-pulse gas discharge.

    PubMed

    Tulip, J; Seguin, H; Mace, P N

    1979-09-01

    A high-average-power short-pulse gas discharge is described. This consists of a volume-preionized transverse discharge of the type used in gas lasers driven by a Blumlein energy storage circuit. The Blumlein circuit is fabricated from coaxial cable, is pulse-charged from a high-repetition-rate Marx-bank generator, and is switched by a high-repetition-rate segmented rail gap. The operation of this discharge under conditions typical of rare-gas halide lasers is described. A maximum of 900 pps was obtained, giving a power flow into the discharge of 30 kW.

  15. [Contamination and Cleaning of Touch Panels Used in Everyday Life and the Awareness of Persons in Charge and Users of Devices about Contamination].

    PubMed

    Morioka, Ikuharu; Uda, Kazu; Yamamoto, Mio

    2015-01-01

    The purpose of this study was to clarify the contamination and cleaning of touch panels used in everyday life and the awareness of persons in charge and users of devices about contamination. Samples from touch panels were cultured to detect viable bacteria (n=132), Staphylococcus aureus (n=66) and Escherichia coli (n=64). A questionnaire survey was conducted on persons in charge and users of the devices on the day of sampling. Viable bacterial cells were detected in more than 90% of the automatic teller machines (ATMs) at banks, the ticket machines at stations, and the copy machines at convenience stores. S. aureus and E. coli were detected in more than one-half of such devices examined. The detection rate of viable bacterial cells in smartphones was 57.5% and was lower than those in other devices. More than 65% of the ATMs, ticket machines, and copy machines were cleaned once or twice a day. More than one-half of the users of smartphones or button-type mobile phones did not clean their devices. Those who did not aware about the contamination of touch panels were 46.6% of the persons in charge and 38.2% of the users. It is necessary to examine the suitable number of times and methods of cleaning of touch panels and to raise the awareness of persons in charge or users of such devices about contamination.

  16. Are Bank Employees Stressed? Job Perception and Positivity in the Banking Sector: An Italian Observational Study.

    PubMed

    Mannocci, Alice; Marchini, Laura; Scognamiglio, Alfredo; Sinopoli, Alessandra; De Sio, Simone; Sernia, Sabina; La Torre, Giuseppe

    2018-04-10

    Background : The epidemiology of stress on bank workers in Europe is only at the introductory stages. This study investigated for the first time the association between occupational stress level in bank-employees using the BEST8, Karasek-Model and socio-demographic and working factors in Italy. Methods : The observational pilot study involved 384 employees. Three questionnaires were adopted to collect data: Karasek-Model, BEST8 ( p < 0.001) and Positivity-Scale. Results : 25% of the sample belonged to high stress group. The workers more stressed were older with a commercial role and consumer of antidepressants/sedatives. Women were much more likely to agree with the perception of feeling unsafe in a possible robbery (OR = 2.42; 95% CI: 1.50-3.91) and with that sales requests were in conflict with one's own personal moral code (OR = 2.31; 95% CI: 1.38-3.87). Older employees declared feeling inadequate in the workplace (OR = 1.97; 95% CI: 1.07-3.65) and younger employees referred to be anxious about meeting financial budget goals. Workers who had a low positivity had a lower probability of adaptation (OR = 0.88; 95% CI: 0.83-0.93). Conclusions : The occupational stress level in the banking sector involves many aspects: gender, type of bank, role, personal morals, high job-demands, low level of decision-making. This study recommended that banks should implement strategic interventions for well-being of employees, and consequently for their productivity.

  17. Methods to determine transit losses for return flows of transmountain water in Fountain Creek between Colorado Springs and the Arkansas River, Colorado

    USGS Publications Warehouse

    Kuhn, Gerhard

    1988-01-01

    Methods were developed by which transit losses could be determined for transmountain return flows in Fountain Creek between Colorado Springs, Colorado, and its confluence with the Arkansas River. The study reach is a complex hydrologic system wherein a substantially variable streamflow interacts with an alluvial aquifer. The study approach included: (1) calibration and verification of a streamflow-routing model that contained a bank-storage-discharge component; (2) use of the model to develop the methods by which transit losses could be calculated; and (3) design of an application method for calculating daily transit loss using the model results. Sources of transit losses that were studied are bank storage, channel storage, and evaporation. Magnitude of bank-storage loss primarily depends on duration of a recovery period during which water lost to bank storage is returned to the stream. Net loss to bank storage can vary from about 50% for a 0-day recovery period to about 2% for a 180-day recovery period. Virtually all water lost to bank storage could be returned to the stream with longer recovery periods. Channel-storage loss was determined to be about 10% of a release quantity. Because the loss on any given day is totally recovered in the form of gains from channel storage on the subsequent day, channel storage is a temporary transit loss. Evaporation loss generally is less than 5% of a given daily transmountain return-flow release, depending on month of year. Evaporation losses are permanently lost from the system. (USGS)

  18. Coulombic charge ice

    NASA Astrophysics Data System (ADS)

    McClarty, P. A.; O'Brien, A.; Pollmann, F.

    2014-05-01

    We consider a classical model of charges ±q on a pyrochlore lattice in the presence of long-range Coulomb interactions. This model first appeared in the early literature on charge order in magnetite [P. W. Anderson, Phys. Rev. 102, 1008 (1956), 10.1103/PhysRev.102.1008]. In the limit where the interactions become short ranged, the model has a ground state with an extensive entropy and dipolar charge-charge correlations. When long-range interactions are introduced, the exact degeneracy is broken. We study the thermodynamics of the model and show the presence of a correlated charge liquid within a temperature window in which the physics is well described as a liquid of screened charged defects. The structure factor in this phase, which has smeared pinch points at the reciprocal lattice points, may be used to detect charge ice experimentally. In addition, the model exhibits fractionally charged excitations ±q/2 which are shown to interact via a 1/r potential. At lower temperatures, the model exhibits a transition to a long-range ordered phase. We are able to treat the Coulombic charge ice model and the dipolar spin ice model on an equal footing by mapping both to a constrained charge model on the diamond lattice. We find that states of the two ice models are related by a staggering field which is reflected in the energetics of these two models. From this perspective, we can understand the origin of the spin ice and charge ice ground states as coming from a dipolar model on a diamond lattice. We study the properties of charge ice in an external electric field, finding that the correlated liquid is robust to the presence of a field in contrast to the case of spin ice in a magnetic field. Finally, we comment on the transport properties of Coulombic charge ice in the correlated liquid phase.

  19. Modeling the Partial Atomic Charges in Inorganometallic Molecules and Solids and Charge Redistribution in Lithium-Ion Cathodes

    DOE PAGES

    Wang, Bo; Li, Shaohong L.; Truhlar, Donald G.

    2014-10-30

    Partial atomic charges are widely used for the description of charge distributions of molecules and solids. These charges are useful to indicate the extent of charge transfer and charge flow during chemical reactions in batteries, fuel cells, and catalysts and to characterize charge distributions in capacitors, liquid-phase electrolytes, and solids and at electrochemical interfaces. However, partial atomic charges given by various charge models differ significantly, especially for systems containing metal atoms. In the present study, we have compared various charge models on both molecular systems and extended systems, including Hirshfeld, CM5, MK, ChElPG, Mulliken, MBS, NPA, DDEC, LoProp, and Badermore » charges. Their merits and drawbacks are compared. The CM5 charge model is found to perform well on the molecular systems, with a mean unsigned percentage deviation of only 9% for the dipole moments. We therefore formulated it for extended systems and applied it to study charge flow during the delithiation process in lithium-containing oxides used as cathodes. Our calculations show that the charges given by the CM5 charge model are reasonable and that during the delithiation process, the charge flow can occur not only on the transition metal but also on the anions. The oxygen atoms can lose a significant density of electrons, especially for deeply delithiated materials. We also discuss other methods in current use to analyze the charge transfer and charge flow in batteries, in particular the use of formal charge, spin density, and orbital occupancy. Here, we conclude that CM5 charges provide useful information in describing charge distributions in various materials and are very promising for the study of charge transfer and charge flows in both molecules and solids.« less

  20. Modeling the Partial Atomic Charges in Inorganometallic Molecules and Solids and Charge Redistribution in Lithium-Ion Cathodes.

    PubMed

    Wang, Bo; Li, Shaohong L; Truhlar, Donald G

    2014-12-09

    Partial atomic charges are widely used for the description of charge distributions of molecules and solids. These charges are useful to indicate the extent of charge transfer and charge flow during chemical reactions in batteries, fuel cells, and catalysts and to characterize charge distributions in capacitors, liquid-phase electrolytes, and solids and at electrochemical interfaces. However, partial atomic charges given by various charge models differ significantly, especially for systems containing metal atoms. In the present study, we have compared various charge models on both molecular systems and extended systems, including Hirshfeld, CM5, MK, ChElPG, Mulliken, MBS, NPA, DDEC, LoProp, and Bader charges. Their merits and drawbacks are compared. The CM5 charge model is found to perform well on the molecular systems, with a mean unsigned percentage deviation of only 9% for the dipole moments. We therefore formulated it for extended systems and applied it to study charge flow during the delithiation process in lithium-containing oxides used as cathodes. Our calculations show that the charges given by the CM5 charge model are reasonable and that during the delithiation process, the charge flow can occur not only on the transition metal but also on the anions. The oxygen atoms can lose a significant density of electrons, especially for deeply delithiated materials. We also discuss other methods in current use to analyze the charge transfer and charge flow in batteries, in particular the use of formal charge, spin density, and orbital occupancy. We conclude that CM5 charges provide useful information in describing charge distributions in various materials and are very promising for the study of charge transfer and charge flows in both molecules and solids.

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